7820 Four Leaf Clover Dr, Cedar Hill, MO 63016 Property Records

Jefferson County property record for 7820 Four Leaf Clover Dr, Cedar Hill, MO 63016

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,566 sqft · built 1997
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on File
Last Sale	$143,800 (Dec 1997)
Tax Bill	$3,006 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-4.0-19.0-0-002-001.02`

Property Details

APN / Parcel Number

Primary APN	`07-4.0-19.0-0-002-001.02`
Alternative APN	`0740190 00200102`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,566 sqft Living Area
Gross Area	1,965 sqft
1st Floor Area	1,566 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	42,689 sqft (0.98 acres)
Garage Type	Attached
Garage Area	399 sqft
Porch	Open Frame Porch
Porch Area	48 sqft
Patio Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7820 FOUR LEAF CLOVER DR
City	CEDAR HILL
State	MO
Zip	63016-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	CLOVER LAKE ESTS LOT 2
Legal Range	4E
Legal Township	42N
Legal Section	19
Legal Subdivision	CLOVER LAKE ESTS
Legal Block	1
Legal Lot Number	2
Jurisdiction	JEFFERSON MO
Township / Civil Division	HIGH RIDGE
Census Block Group	1
Census Block	1031
Census Tract	700504

Owner

7820 Four Leaf Clover Dr is owned and occupied by two individuals who bought it in December 1997.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7820 FOUR LEAF CLOVER DR, CEDAR HILL, MO 63016-2137
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 1997 · Amount on File
Deed Sale	Dec 10, 1997 · Amount on File
Deed Book / Page	805 / 996
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	7820 FOUR LEAF CLOVER DR, CEDAR HILL, MO 63016-2137
Document Number	0000030230
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7820 FOUR LEAF CLOVER DR CEDAR HILL MO 630162137, CEDAR HILL, MO 63016-2137

Mortgage

Document Number	0000030230
Date	Aug 19, 2020
Instrument	30230

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	5898 COPLEY DR, SAN DIEGO, CA 92111-7916

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 7820 Four Leaf Clover Dr was $3,006, up 6.4% from the year before.

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Northwest R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$40,200 (-) Land $7,700 Building $32,500	$211,600 (-) Land $40,700 Building $170,900
2025	$3,006.00 (+6.37%)	$40,200 Land $7,700 Building $32,500	$211,600 (-) Land $40,700 Building $170,900
2024	$2,826.00 (+0.36%)		$211,600 (+7.63%) Land $40,700 Building $170,900
2023	$2,816.00	$37,300 Land $7,700 Building $29,600	$196,600 Land $40,700 Building $155,900

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 7820 Four Leaf Clover Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective October 2, 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	4 in force
Nearby Flood Claims	4 (1990–1995)
Most Recent Claim	May 1995 · Severe Storms, Tornadoes, Hail, 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 7820 Four Leaf Clover Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.04% 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	JEFFERSON CO PWSD 8 serves 4,733 people · EPA ID MO6024300
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20