430 Covert Ct, Ballwin, MO 63021 Property Records

St. Louis County property record for 430 Covert Ct, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,498 sqft · built 1956
Lot Size	0.78 acres (33,977 sqft)
Owner	Individual Name on File
Tax Bill	$3,786 (2024)
Deeds & Mortgages	Sep 2022 Construction Loan
Flood Zone	Zone AE (high risk)
APN	`23R-4-1-099-5`

Property Details

APN / Parcel Number

Primary APN	`23R-4-1-099-5`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,498 sqft Living Area
1st Floor Area	950 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	33,977 sqft (0.78 acres)
Lot Width	12 ft Width
Garage Type	Detached
Garage Area	1,632 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Deck Area	120 sqft
Patio Area	120 sqft
Balcony	Balcony
Balcony Area	30 sqft
Canopy	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	430 COVERT CT
City	BALLWIN
State	MO
Zip	63021-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-1
Legal Description	BALLWIN HILLS SECTION 7 AMENDED LOTS 40 & 41 BDY ADJ LOT PT 40
Legal Subdivision	BALLWIN HILLS SECTION 7 AMENDED LOTS 40
Legal Lot Number	40 41
Jurisdiction	ST LOUIS MO
Township / Civil Division	WILDHORSE
Census Block Group	1
Census Block	1014
Census Tract	217923

Owner

Source: St. Louis County records · APN 23R-4-1-099-5

Assessment roll updated May 31, 2025 · Last verified February 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 File
Co-owner	Verified Secondary Owner
Mailing Address	430 COVERT CT, BALLWIN, MO 63021-4903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Mar 17, 2022
Transfer Doc	0249130357
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	430 COVERT CT, BALLWIN, MO 63021-4903
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022090600552
Date	Sep 06, 2022
Instrument	2022090600552

Lender

Name	RICIARD D WHITMIRE
Type	Private Party
Address	4397 RUSTIC TRL, HILLSBORO, MO 63050

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated May 31, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Ballwin City
County	St. Louis County
Unified School District	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$58,560 (+8.34%) Land $30,040 Building $28,520	$308,200 (+8.33%) Land $158,100 Building $150,100
2024	$3,786.00 (+0.08%)
2023	$3,783.00 (+9.37%)	$54,050 (+16.89%) Land $25,020 Building $29,030	$284,500 (+16.89%) Land $131,700 Building $152,800
2022	$3,459.00	$46,240 Land $25,020 Building $21,220
2021			$243,400 Land $131,700 Building $111,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 10, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jul 2024 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco Fiber	8,000 / 8,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 234 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
Water Source	Surface water
Last State Inspection	Feb 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.