520 Cedar Cove Ct, Ballwin, MO 63021 Property Records

St. Louis County property record for 520 Cedar Cove Ct, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,754 sqft · built 1984
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Oct 2021)
Tax Bill	$7,081 (2025)
Deeds & Mortgages	May 2026 Transfer Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23Q-32-0538`

Property Details

APN / Parcel Number

Primary APN	`23Q-32-0538`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,754 sqft Living Area
Gross Area	3,237 sqft
1st Floor Area	2,136 sqft
Basement Area	352 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Raised
Lot Area	44,867 sqft
Lot Dimensions	132 ft deep x 56 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	40 sqft
Deck Area	72 sqft
Patio Area	72 sqft
Balcony Area	26 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	520 CEDAR COVE CT
City	BALLWIN
State	MO
Zip	63021-5702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	FOREST OAK ESTATES PLAT 1 LOT PT 13
Legal Subdivision	FOREST OAK ESTATES PLAT 1
Legal Lot Number	13
Jurisdiction	ST LOUIS MO
Township / Civil Division	QUEENY
Census Block Group	2
Census Block	2013
Census Tract	218016

Owner

520 Cedar Cove Ct is owned and occupied by two individuals who acquired it in May 2026.

Source: St. Louis County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 CEDAR COVE CT, BALLWIN, MO 63021-5702
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Oct 6, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 7, 2017	Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Jul 7, 2017 · Amount on File
Deed Document Number	2021141
Deed Book / Page	25150 / 2580
Last Transfer Date	May 19, 2026
Transfer Doc	0000000466
Record Updated	Oct 29, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MO
Recording Date	May 20, 2026
Property Address	520 CEDAR COVE CT, BALLWIN, MO 63021-5702
Document Number	0000000466
Instrument Date	May 19, 2026
Instrument	2026466
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CEDAR COVE CT, BALLWIN, MO 63021-5702

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 6, 2021
Property Address	520 CEDAR COVE CT, BALLWIN, MO 63021-5702
Document Number	0251502580
Book / Page	25150 / 2580
Map Reference	MB 223 PG 64&65
Instrument Date	Sep 28, 2021
Instrument	2021100600141
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 CEDAR COVE COURT, BALLWIN, MO 63021-5702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CEDAR COVE CT, BALLWIN, MO 63021-5702

Mortgage

Document Number	2021100600142
Date	Oct 6, 2021
Instrument	2021100600142

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jul 7, 2017
Property Address	520 CEDAR COVE CT, BALLWIN, MO 63021-5702
Document Number	0225980067
Book / Page	022598 / 000067
Instrument Date	Jun 30, 2017
Instrument	129
Transaction Type	Transfer
Record Updated	Aug 31, 2017
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	520 CEDAR COVE CT BALLWIN MO 630215702, BALLWIN, MO 63021-5702

Tax Assessment & Valuation

The 2025 property tax bill for 520 Cedar Cove Ct was $7,081, up 10.9% from the year before.

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Unified School District	Parkway C-2 School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,660 (-) Land $62,210 Building $53,450	$608,700 (-) Land $327,400 Building $281,300
2025	$7,081.00 (+10.88%)	$115,660 Land $62,210 Building $53,450	$608,700 Land $327,400 Building $281,300
2024	$6,386.00 (-0.9%)
2023	$6,444.00 (-0.15%)	$98,510 (+8.47%) Land $43,050 Building $55,460	$518,500 Land $226,600 Building $291,900
2022	$6,454.00	$90,820 Land $39,500 Building $51,320
2021			$478,000 Land $207,900 Building $270,100

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

FEMA maps place 520 Cedar Cove Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective August 10, 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	6 in force
Nearby Flood Claims	7 (2015–2020)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Aug 2020 · river or lake flooding

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

Wildfire risk around 520 Cedar Cove Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
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, 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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