2805 E Rock Creek Rd, Arnold, MO 63010 Property Records

Jefferson County property record for 2805 E Rock Creek Rd, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,490 sqft · built 1974
Lot Size	3.01 acres (131,116 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,800 (Jun 2003)
Tax Bill	$1,991 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028.034.00000023`

Property Details

APN / Parcel Number

Primary APN	`028.034.00000023`
Alternative APN	`0280340 023`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Living Area
1st Floor Area	1,490 sqft
Basement Area	498 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Lot Area	131,116 sqft
Garage Type	Carport
Garage Area	294 sqft
Carport	Carport
Carport Area	294 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	30 sqft
Deck Area	Deck Area
Patio Area	488 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2805 E ROCK CREEK RD
City	ARNOLD
State	MO
Zip	63010-3652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	PT NW1/4 NE1/4
Legal Range	5E
Legal Township	43N
Legal Section	34
Legal Block	1
Jurisdiction	JEFFERSON MO
Township / Civil Division	IMPERIAL
Census Block Group	1
Census Block	1001
Census Tract	700107

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	2 Individual Names on Record
Mailing Address	2805 E ROCK CREEK RD, ARNOLD, MO 63010-3652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Oct 19, 2017	Quit Claim Deed, Mortgage · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2003 · Amount on Record
Deed Sale	Jun 20, 2003 · Amount on Record
Prior Sale	Nov 27, 2000 · Amount on Record
Deed Document Number	200345633
Last Transfer Date	Oct 12, 2017
Transfer Doc	2017R033009
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	2805 E ROCK CREEK RD, ARNOLD, MO 63010-3652
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R021466
Date	May 17, 2021
Instrument	2021R-021466

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

October 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Oct 19, 2017
Property Address	2805 E ROCK CREEK RD, ARNOLD, MO 63010-3652
Document Number	0000033009
Instrument Date	Oct 12, 2017
Instrument	33009
Transaction Type	Mortgage
Record Updated	Nov 8, 2017
Title Company	NATIONS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2805 E ROCK CREEK RD ARNOLD MO 630103652, ARNOLD, MO 63010-3652

Mortgage

Document Number	33010
Date	Oct 19, 2017
Instrument	33010

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$29,500 (-) Land $4,500 Building $25,000	$155,600 (-) Land $23,900 Building $131,700
2025	$1,991.00 (-0.45%)	$29,500 (+8.06%) Land $4,500 Building $25,000	$155,600 (-) Land $23,900 Building $131,700
2024	$2,000.00 (-0.15%)		$155,600 (+8.28%) Land $23,900 Building $131,700
2023	$2,003.00	$27,300 Land $4,500 Building $22,800	$143,700 Land $23,900 Building $119,800

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

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	2 in force
Nearby Flood Claims	19 (1979–2013)
Claims Outside the SFHA	12 of 19
Most Recent Claim	Jun 2013 · other causes
Claims by Event	Severe Storms & Flooding, Sep 1993 · 2 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	0.03% 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 3 serves 17,000 people · EPA ID MO6024294
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Dec 2024
Lead	Under 1 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 23 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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