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

Jefferson County property record for 220 Echo Lake Cir, Byrnes Mill, MO 63025

Property Summary

Property Type	Single Family Home
Details	1,937 sqft · built 2026
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$543,305 (May 2026)
Tax Bill	$344 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-5.0-21.0-0-000-031.97`

Property Details

APN / Parcel Number

Primary APN	`03-5.0-21.0-0-000-031.97`
Alternative APN	`0350210 03197`

Interior

Stories	1 Story
Building Area	1,937 sqft Living Area
Gross Area	2,427 sqft
1st Floor Area	1,937 sqft

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Construction Type	Frame
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Attached
Garage Area	490 sqft

Location & Zoning

Street Address	220 ECHO LAKE CIR
City	BYRNES MILL
State	MO
Zip	63025-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ECHO LAKE LOT 97
Legal Range	4E
Legal Township	43N
Legal Section	21
Legal Subdivision	ECHO LAKE
Legal Block	2
Legal Lot Number	97
Jurisdiction	JEFFERSON MO
Township / Civil Division	HIGH RIDGE
Census Block Group	2
Census Block	2009
Census Tract	700302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 20109, SAINT LOUIS, MO 63123-0309
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2025	Deed of Trust, Mortgage · Line of Credit BANK STAR
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL
May 16, 2025	Warranty Deed, Transfer · Line of Credit BANK STAR
Jun 27, 2024	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Dec 22, 2021	Quit Claim Deed, Transfer Quitclaim
May 22, 2019	Warranty Deed, Transfer · Line of Credit FARMERS & MERCHANTS BK/ST CLAI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	May 16, 2025 · Amount on Record
Deed Document Number	202611771
Prior Transfer Date	Jul 23, 2021
Prior Transfer Doc	0000054785
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	220 ECHO LAKE CIR, BYRNES MILL, MO 63025-3021
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2129 SILO RD, FESTUS, MO 63028-5444

Mortgage

Document Number	0000013265
Date	Jun 2, 2025
Instrument	2025R-013265

Lender

Name	BANK STAR
Type	Bank
Address	PACIFIC, MO 63069

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	May 4, 2026
Property Address	220 ECHO LAKE CIR, BYRNES MILL, MO 63025-3021
Document Number	0000011771
Instrument Date	May 1, 2026
Instrument	2026.11771
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011772,
Date	May 4, 2026
Instrument	2026.11772

Lender

Name	GENEVA FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	May 16, 2025
Property Address	220 ECHO LAKE CIR, BYRNES MILL, MO 63025-3021
Document Number	0000011838
Map Reference	MB 224 PG 14
Instrument Date	May 14, 2025
Instrument	2025R-011838
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 E CHERRY ST, COLUMBIA, IL 62236-2243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2129 SILO RD, FESTUS, MO 63028-5444

Mortgage

Document Number	0000011839
Date	May 16, 2025
Instrument	2025R-011839

Lender

Name	BANK STAR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jun 27, 2024
Property Address	220 ECHO LAKE CIR, BYRNES MILL, MO 63025-3021
Document Number	0000015641
Map Reference	MB 224 PG 14-19
Instrument Date	Jun 27, 2024
Instrument	2024R-015641
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9245 BYRNESVILLE RD, CEDAR HILL, MO 63016-1003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E CHERRY ST, COLUMBIA, IL 62236-2243

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Dec 22, 2021
Property Address	220 ECHO LAKE CIR, BYRNES MILL, MO 63025-3021
Document Number	0000054785
Map Reference	MB 224 PG 14-19
Instrument Date	Jul 23, 2021
Instrument	2021R-054785
Transaction Type	Transfer
Record Updated	May 21, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3294 ECHO LAKE DR, BYRNES MILL, MO 63025-3013

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	May 22, 2019
Property Address	220 ECHO LAKE CIR, BYRNES MILL, MO 63025-3021
Document Number	0000014467
Instrument Date	May 17, 2019
Instrument	14467
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 OLD ORCHARD LN GLEN CARBON IL 620343025, GLEN CARBON, IL 62034-3025

Mortgage

Document Number	14468
Date	May 22, 2019
Instrument	14468

Lender

Name	FARMERS & MERCHANTS BK/ST CLAI
Type	Bank
Address	SAINT CLAIR, MO 63077

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 21, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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 (+864.58%) Land $7,700 Building $38,600	$243,600 (+862.85%) Land $40,700 Building $202,900
2025	$344.00 (-1.43%)	$4,800 (-) Land $4,800	$25,300 (-) Land $25,300
2024	$349.00 (+0.58%)		$25,300 (-) Land $25,300
2023	$347.00	$4,800 Land $4,800	$25,300 Land $25,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 14 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

May also be available: Verizon.

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