181 Echo Lake Cir, Byrnes Mill (Eureka), MO 63025 Property Records

Jefferson County property record for 181 Echo Lake Cir, Byrnes Mill, MO 63025

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,650 sqft · built 2005
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$218,800 (Nov 2005)
Tax Bill	$3,162 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-5.0-21.0-0-000-031.63`

Property Details

APN / Parcel Number

Primary APN	`03-5.0-21.0-0-000-031.63`
Alternative APN	`0350210 03163`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,650 sqft Living Area
Gross Area	2,310 sqft
1st Floor Area	1,650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	660 sqft
Porch	Open Frame Porch
Porch Area	24 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	181 ECHO LAKE CIR
City	BYRNES MILL
State	MO
Zip	63025-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ECHO LAKE LOT 63
Legal Range	4E
Legal Township	43N
Legal Section	21
Legal Subdivision	ECHO LAKE
Legal Block	2
Legal Lot Number	63
Jurisdiction	JEFFERSON MO
Township / Civil Division	HIGH RIDGE
Census Block Group	2
Census Block	2010
Census Tract	700302

Owner

181 Echo Lake Cir is owned and occupied by two individuals who bought it in November 2005.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	181 ECHO LAKE CIR, BYRNES MILL, MO 63025-3020
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2005 · Amount on File
Deed Sale	Nov 16, 2005 · Amount on File
Deed Document Number	200562363
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Recording Date	Jul 9, 2026
Property Address	181 ECHO LAKE CIR, BYRNES MILL, MO 63025-3020
Document Number	0000018485
Instrument Date	Jul 3, 2026
Instrument	202618485
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 ECHO LAKE CIR, BYRNES MILL, MO 63025-3020

Mortgage

Document Number	0000018485,
Date	Jul 9, 2026
Instrument	202618485

Lender

Name	COMMERCE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 3, 2036

Interest

Rate	6.48%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 181 Echo Lake Cir was $3,162, up 0.7% from the year before.

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Municipality	Byrnes Mill City
Unified School District	Northwest R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$46,300 (-) Land $7,700 Building $38,600	$243,900 (-) Land $40,700 Building $203,200
2025	$3,162.00 (+0.67%)	$46,300 Land $7,700 Building $38,600	$243,900 (-) Land $40,700 Building $203,200
2024	$3,141.00 (+0.58%)		$243,900 (+7.07%) Land $40,700 Building $203,200
2023	$3,123.00	$43,200 Land $7,700 Building $35,500	$227,800 Land $40,700 Building $187,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 181 Echo Lake Cir in Zone X, an area of minimal flood risk, though there have been 414 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 2, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	414 (1979–2020)
Claims Outside the SFHA	25 of 414
Most Recent Claim	Aug 2020 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2009 · 47 claims Severe Storms, Tornadoes, Flooding, Apr 1994 · 82 claims Severe Storms & Flooding, Sep 1993 · 72 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 181 Echo Lake Cir is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEFFERSON COUNTY PWSD 6 serves 7,500 people · EPA ID MO6024298
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30