Jefferson County property record for 491 Spruce Ct, Arnold, MO 63010 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1.5 Baths |
| Year Built | Built 1960 |
| Square Footage | 960 sqft Living Area |
| Lot Size | 7,028 sqft (0.161 acres) |
| Garage | Attached, 240 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $113,900 (2016) |
| Tax Bill | $1,036.00 (2025) |
Source: Jefferson County records · APN 015.021.03001032
Assessment roll updated September 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 491 SPRUCE CT, ARNOLD, MO 63010-1751 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Aug 28, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage GUILD MORTGAGE COMPANY LLC |
| Mar 29, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DOVENMUEHLE MORTGAGE INC |
| Dec 18, 2018 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage GUILD MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2016 · Amount on Record |
| Deed Sale | Jul 13, 2016 · Amount on Record |
| Prior Sale | Aug 17, 2009 · Amount on Record |
| Deed Doc Number | 201621004 |
| Prior Transfer Date | Apr 16, 2003 |
| Prior Transfer Doc | 0000031307 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Property Address | 491 SPRUCE CT, ARNOLD, MO 63010-1751 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN DOCUMENT SLN |
| Name | Verified Name |
|---|---|
| Address | 491 SPRUCE CT, ARNOLD, MO 63010-1751 |
| Document Number | 0000021103 |
|---|---|
| Date | Aug 28, 2023 |
| Instrument | 2023R-021103 |
| Name | GUILD MORTGAGE COMPANY LLC |
|---|---|
| Address | SAN DIEGO, CA 92111 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 01, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Property Address | 491 SPRUCE CT, ARNOLD, MO 63010-1751 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 491 SPRUCE CT, ARNOLD, MO 63010-1751 |
| Document Number | 0000010476 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022R-010476 |
| Name | DOVENMUEHLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75201 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Property Address | 491 SPRUCE CT, ARNOLD, MO 63010-1751 |
| Document Number | 0000004668 |
| Instrument Date | Dec 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 491 SPRUCE CT ARNOLD MO 630101751, ARNOLD, MO 63010-1751 |
| Document Number | 0000004668 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 4668 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | LAKE ZURICH, IL 60047 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 19, 2049 |
| Rate | 4.75% |
|---|
Source: Jefferson County records · Assessment roll updated September 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Arnold City |
| County | Jefferson County |
| Unified School District | Fox C-6 School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,036.00 (+27.74%) | $15,300 (+31.9%) Land $1,600 Building $13,700 | $80,500 (-) Land $8,500 Building $72,000 |
| 2024 | $811.00 (+0.62%) | $80,500 (+32.18%) Land $8,500 Building $72,000 | |
| 2023 | $806.00 | $11,600 Land $1,600 Building $10,000 | $60,900 Land $8,500 Building $52,400 |
Source: FEMA National Flood Hazard Layer, Jefferson County (29099C), updated October 2, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 015.021.03001032 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 960 sqft Living Area |
| 1st Floor | 960 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame Construction |
| Lot Area | 7,028 sqft (0.161 acres) |
| Depth X Width | 120 ft x 70 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 240 sqft Garage |
| Porch Area | 25 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 491 SPRUCE CT |
|---|---|
| City | ARNOLD |
| State | MO |
| Zip | 63010-1751 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BLUEBIRD MEADOWS LOT 18 |
| Legal Range | 6E |
| Legal Township | 43N |
| Legal Section | 21 |
| Legal Subdivision | BLUEBIRD MEADOWS |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | JEFFERSON MO |
| Minor Civil Division | ARNOLD |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 700111 |
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