2848 Harmony Ridge Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 2848 Harmony Ridge Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 1965
Lot Size	0.295 acres (12,857 sqft)
Owner	Individual Name on Record
Last Sale	$247,800 (May 2020)
Tax Bill	$1,548 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`027.036.02001067`

Property Details

APN / Parcel Number

Primary APN	`027.036.02001067`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	720 sqft
Basement Area	432 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Split Level
Construction Type	Frame
Lot Area	12,857 sqft (0.295 acres)
Lot Dimensions	165 ft deep x 72 ft wide

Exterior Amenities

Porch	Stoop
Porch Area	72 sqft
Patio Area	362 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2848 HARMONY RIDGE DR
City	ARNOLD
State	MO
Zip	63010-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R07
Legal Description	HARMONY HILLS LOT 68
Legal Range	5E
Legal Township	43N
Legal Section	36
Legal Subdivision	HARMONY HILLS
Legal Block	2
Legal Lot Number	68
Jurisdiction	JEFFERSON MO
Township / Civil Division	WINDSOR
Census Block Group	2
Census Block	2008
Census Tract	700113

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	2848 HARMONY RIDGE DR, ARNOLD, MO 63010-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Warranty Deed, Transfer GERSHMAN MTG
Mar 7, 2018	Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FNDG
Nov 20, 2017	Affidavit of Death, Transfer TRUE TITLE
Nov 20, 2017	Warranty Deed, Construction Loan · Line of Credit FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2020 · Amount on Record
Deed Sale	May 5, 2020 · Amount on Record
Prior Sale	Mar 7, 2018 · Amount on Record
Deed Document Number	202015185
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	May 5, 2020
Property Address	2848 HARMONY RIDGE DR, ARNOLD, MO 63010-2535
Document Number	0000015185
Instrument Date	Apr 29, 2020
Instrument	15185
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7230 SOUTHWEST AVE ST LOUIS MO 631432456, ST LOUIS, MO 63143-2456

Mortgage

Document Number	15186
Date	May 5, 2020
Instrument	15186

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Mar 7, 2018
Property Address	2848 HARMONY RIDGE DR, ARNOLD, MO 63010-2535
Document Number	0000006957
Instrument Date	Mar 5, 2018
Instrument	6957
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	CONTINENTAL TITLE HOLDING COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2848 HARMONY RIDGE DR ARNOLD MO 630102535, ARNOLD, MO 63010-2535

Mortgage

Document Number	6958
Date	Mar 7, 2018
Instrument	6958

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2048

November 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	JEFFERSON MO
Recording Date	Nov 20, 2017
Property Address	2848 HARMONY RIDGE DR, ARNOLD, MO 63010-2535
Document Number	0000036758
Instrument Date	Nov 17, 2017
Instrument	36758
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	TRUE TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2848 HARMONY RIDGE DR ARNOLD MO 630102535, ARNOLD, MO 63010-2535

November 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Nov 20, 2017
Property Address	2848 HARMONY RIDGE DR, ARNOLD, MO 63010-2535
Document Number	0000036756
Instrument Date	Nov 17, 2017
Instrument	36756
Transaction Type	Construction Loan
Record Updated	Dec 4, 2017
Title Company	TRUE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3320 RUE ROYALE ST #1 ST CHARLES MO 633018322, 1, ST CHARLES, MO 63301-8322
Investor	Possibly a Property Investor

Mortgage

Document Number	36757
Date	Nov 20, 2017
Instrument	36757

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301-1852

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 19, 2018

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
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$22,400 (-) Land $1,900 Building $20,500	$118,100 (-) Land $10,200 Building $107,900
2025	$1,548.00 (+5.45%)	$22,400 (+8.21%) Land $1,900 Building $20,500
2024			$118,100 (+8.25%) Land $10,200 Building $107,900
2023	$1,468.00	$20,700 Land $1,900 Building $18,800	$109,100 Land $10,200 Building $98,900

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	1 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 CO CONS PWSD C 1 serves 37,000 people · EPA ID MO6024295
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Aug 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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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