Jefferson County property record for 7825 Four Leaf Clover Dr, Cedar Hill, MO 63016
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,122 sqft · built 1999 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | Individual Name on File |
| Last Sale | $233,800 (Feb 2019) |
| Tax Bill | $3,649 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-4.0-19.0-0-002-001.98 |
| Primary APN | 07-4.0-19.0-0-002-001.98 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,122 sqft Living Area |
| Gross Area | 1,522 sqft |
| 1st Floor Area | 260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 218 sqft |
| Patio Area | 153 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 7825 FOUR LEAF CLOVER DR |
|---|---|
| City | CEDAR HILL |
| State | MO |
| Zip | 63016-2139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Description | CLOVER LAKE ESTS LOT 98 |
| Legal Range | 4E |
| Legal Township | 42N |
| Legal Section | 19 |
| Legal Subdivision | CLOVER LAKE ESTS |
| Legal Block | 1 |
| Legal Lot Number | 98 |
| Jurisdiction | JEFFERSON MO |
| Township / Civil Division | HIGH RIDGE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 700504 |
7825 Four Leaf Clover Dr is owned and occupied by an individual who bought it in February 2019.
Source: Jefferson County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7825 FOUR LEAF CLOVER DR, CEDAR HILL, MO 63016-2139 |
| 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.
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Feb 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Feb 11, 2019 | Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 11, 2019 · Amount on File |
| Deed Sale | Feb 11, 2019 · Amount on File |
| Prior Sale | Apr 18, 2014 · Amount on File |
| Deed Document Number | 20193878 |
| Prior Transfer Date | Apr 16, 2014 |
| Prior Transfer Doc | 0000010993 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Property Address | 7825 FOUR LEAF CLOVER DR, CEDAR HILL, MO 63016-2139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7825 FOUR LEAF CLOVER DR, CEDAR HILL, MO 63016-2139 |
| Document Number | 0000001878 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 2026R-001878 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Property Address | 7825 FOUR LEAF CLOVER DR, CEDAR HILL, MO 63016-2139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 021R005406 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 2021R-005406 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Recording Date | Feb 11, 2019 |
| Property Address | 7825 FOUR LEAF CLOVER DR, CEDAR HILL, MO 63016-2139 |
| Document Number | 0000003878 |
| Instrument Date | Feb 8, 2019 |
| Instrument | 3878 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7825 FOUR LEAF CLOVER DR CEDAR HILL MO 630162139, CEDAR HILL, MO 63016-2139 |
| Document Number | 3879 |
|---|---|
| Date | Feb 11, 2019 |
| Instrument | 3879 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 10, 2049 |
The 2025 property tax bill for 7825 Four Leaf Clover Dr was $3,649, up 7.5% from the year before.
Source: Jefferson County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Jefferson County |
| Unified School District | Northwest R-I School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $48,800 (-) Land $7,700 Building $41,100 | $257,000 (-) Land $40,700 Building $216,300 | |
| 2025 | $3,649.00 (+7.51%) | $48,800 Land $7,700 Building $41,100 | $257,000 (-) Land $40,700 Building $216,300 |
| 2024 | $3,394.00 (+0.33%) | $257,000 (+8.94%) Land $40,700 Building $216,300 | |
| 2023 | $3,383.00 | $44,800 Land $7,700 Building $37,100 | $235,900 Land $40,700 Building $195,200 |
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.
FEMA maps place 7825 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 risk around 7825 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.
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 |
| 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.
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 |
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