551 Overlook Terrace Ct, Eureka, MO 63025 Property Records

St. Louis County property record for 551 Overlook Terrace Ct, Eureka, MO 63025

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 6,527 sqft · built 1990
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$487,500 (Feb 2016)
Tax Bill	$9,887 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29W-31-0401`

Property Details

APN / Parcel Number

Primary APN	`29W-31-0401`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	6,527 sqft Living Area
Gross Area	7,229 sqft
1st Floor Area	1,797 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	Raised
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	157 ft deep x 105 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Open Frame Porch
Porch Area	141 sqft
Deck Area	274 sqft
Patio Area	528 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	551 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 6 18 90 LOT 7
Legal Subdivision	OVERLOOK AT THE LEGENDS
Legal Lot Number	7
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	551 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2016 · Amount on Record
Deed Sale	Feb 23, 2016 · Amount on Record
Prior Sale	Feb 23, 2016 · Amount on Record
Deed Document Number	2016432
Deed Book / Page	21898 / 1281
Prior Transfer Date	Dec 7, 2005
Prior Transfer Doc	0169531826
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	551 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047
Transaction Type	Mortgage
Record Updated	Feb 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047

Mortgage

Document Number	2023082200562
Date	Aug 22, 2023
Instrument	2023082200562

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	551 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 OVERLOOK TERRACE CT, EUREKA, MO 63025-2047

Mortgage

Document Number	0241664444
Date	Aug 4, 2020
Book Page	24166/4444
Instrument	2020080400722

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	4.5%
Index	1-Year LIBOR
Max Rate	8.5%

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		$136,500 (-) Land $23,660 Building $112,840	$718,400 (-) Land $124,500 Building $593,900
2025	$9,887.00 (+8.91%)	$136,500 (+12.25%) Land $23,660 Building $112,840	$718,400 (+12.25%) Land $124,500 Building $593,900
2024	$9,078.00 (-0.09%)
2023	$9,086.00	$121,600 Land $15,770 Building $105,830	$640,000 Land $83,000 Building $557,000

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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