539 Overlook Terrace Ct, Eureka, MO 63025 Property Records

St. Louis County property record for 539 Overlook Terrace Ct, Eureka, MO 63025

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,570 sqft · built 2005
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$455,000 (Jul 2013)
Tax Bill	$8,513 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29W-31-0823`

Property Details

APN / Parcel Number

Primary APN	`29W-31-0823`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	19 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	5,570 sqft Living Area
Gross Area	6,066 sqft
1st Floor Area	1,394 sqft
Basement Area	1,280 sqft
Finished Basement	1,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	90 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	70 sqft
Deck Area	309 sqft
Patio Area	270 sqft
Balcony Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	539 OVERLOOK TERRACE CT
City	EUREKA
State	MO
Zip	63025-2047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	98R5CUP
Legal Description	OVERLOOK AT THE LEGENDS LOT 5
Legal Subdivision	OVERLOOK AT THE LEGENDS
Legal Lot Number	5
Jurisdiction	ST LOUIS MO
Township / Civil Division	MERAMEC
Census Block Group	3
Census Block	3003
Census Tract	221503

Owner

Source: St. Louis County records, as of September 29, 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	539 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Oct 8, 2019	Deed of Trust, Mortgage CITIBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2013 · Amount on Record
Deed Sale	Jul 31, 2013 · Amount on Record
Prior Sale	Jun 17, 2011 · Amount on Record
Deed Document Number	201377
Deed Book / Page	20610 / 283
Prior Transfer Date	Jul 28, 2008
Prior Transfer Doc	0179774759
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Recording Date	Aug 21, 2026
Property Address	539 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047
Document Number	0000000224
Instrument Date	Aug 16, 2026
Instrument	2026224
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	539 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047

Mortgage

Document Number	0000000224,
Date	Aug 21, 2026
Instrument	2026224

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	539 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047
Document Number	0237481417
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	539 OVERLOOK TERRACE CT EUREKA MO 630252047, EUREKA, MO 63025-2047

Mortgage

Document Number	0237481417
Date	Oct 17, 2019
Book Page	023748/001417
Instrument	258

Lender

Name	CITIBANK
Type	Bank
Address	O FALLON, MO 63368-2240

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$117,540 (-) Land $20,620 Building $96,920	$618,600 (-) Land $108,500 Building $510,100
2025	$8,513.00 (+8.06%)	$117,540 (+11.38%) Land $20,620 Building $96,920	$618,600 (+11.38%) Land $108,500 Building $510,100
2024	$7,878.00 (-0.09%)
2023	$7,885.00 (+6.18%)	$105,530 (+14.11%) Land $13,740 Building $91,790	$555,400 (+14.12%) Land $72,300 Building $483,100
2022	$7,426.00	$92,480 Land $13,740 Building $78,740
2021			$486,700 Land $72,300 Building $414,400

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 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	1 in force
Nearby Flood Claims	310 (1978–2019)
Claims Outside the SFHA	16 of 310
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 8 claims Severe Storms, Tornadoes, Flooding, Apr 1994 · 9 claims Severe Storms & Flooding, Oct 1993 · 136 claims

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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