3112 Harmony Ridge Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 3112 Harmony Ridge Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1968
Lot Size	0.333 acres (14,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,000 (Oct 2015)
Tax Bill	$1,389 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`027.036.02001061`

Property Details

APN / Parcel Number

Primary APN	`027.036.02001061`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,248 sqft
1st Floor Area	432 sqft
Basement Area	432 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Level
Construction Type	Frame
Lot Area	14,498 sqft (0.333 acres)
Lot Dimensions	125 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	288 sqft

Exterior Amenities

Porch	Stoop
Porch Area	72 sqft
Patio Area	257 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3112 HARMONY RIDGE DR
City	ARNOLD
State	MO
Zip	63010-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R07
Legal Description	HARMONY HILLS LOT 74
Legal Range	5E
Legal Township	43N
Legal Section	36
Legal Subdivision	HARMONY HILLS
Legal Block	2
Legal Lot Number	74
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	2 Individual Names on Record
Mailing Address	3112 HARMONY RIDGE DR, ARNOLD, MO 63010-2537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2015 · Amount on Record
Deed Sale	Oct 26, 2015 · Amount on Record
Prior Sale	Feb 19, 2014 · Amount on Record
Deed Document Number	201534626
Prior Transfer Date	Oct 24, 2014
Prior Transfer Doc	2014R032354
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3112 HARMONY RIDGE DR, ARNOLD, MO 63010-2537
Document Number	0000003023
Instrument Date	Jan 19, 2018
Transaction Type	Mortgage
Record Updated	Feb 8, 2018
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3112 HARMONY RIDGE DR ARNOLD MO 630102537, ARNOLD, MO 63010-2537

Mortgage

Document Number	0000003023
Date	Jan 30, 2018
Instrument	3023

Lender

Name	FCB BK
Type	Bank
Address	SAINT LOUIS, MO 63128

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$20,100 (-) Land $1,900 Building $18,200	$106,000 (-) Land $10,200 Building $95,800
2025	$1,389.00 (+2.51%)	$20,100 (+5.79%) Land $1,900 Building $18,200	$106,000 (-) Land $10,200 Building $95,800
2024	$1,355.00 (+0.59%)		$106,000 (+5.68%) Land $10,200 Building $95,800
2023	$1,347.00	$19,000 Land $1,900 Building $17,100	$100,300 Land $10,200 Building $90,100

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

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	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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