828 Spring Cove Ct, Eureka, MO 63025 Property Records

St. Louis County property record for 828 Spring Cove Ct, Eureka, MO 63025

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 7,090 sqft · built 2003
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Sep 2022)
Tax Bill	$10,115 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29W-21-0277`

Property Details

APN / Parcel Number

Primary APN	`29W-21-0277`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	23 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	7,090 sqft Living Area
Gross Area	7,816 sqft
1st Floor Area	1,507 sqft
Basement Area	1,780 sqft
Finished Basement	1,780 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	56 ft deep x 137 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	54 sqft
Patio Area	690 sqft
Balcony Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	828 SPRING COVE CT
City	EUREKA
State	MO
Zip	63025-3613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	98R1CUP
Legal Description	SOUTHERN HILLS PHASE TWO-PLAT ONE LOT 18
Legal Subdivision	SOUTHERN HILLS PHASE TWO-PLAT ONE
Legal Phase	2
Legal Lot Number	18
Jurisdiction	ST LOUIS MO
Township / Civil Division	MERAMEC
Census Block Group	1
Census Block	1068
Census Tract	221503

Owner

Source: St. Louis County records, as of October 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	828 SPRING COVE CT, EUREKA, MO 63025-3613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA
Aug 2, 2018	Deed of Trust, Mortgage · Line of Credit FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2022 · Amount on Record
Deed Sale	Sep 26, 2022 · Amount on Record
Prior Sale	Mar 13, 2008 · Amount on Record
Deed Document Number	2022926283
Prior Transfer Date	Feb 29, 2008
Prior Transfer Doc	0178182164
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 26, 2022
Property Address	828 SPRING COVE CT, EUREKA, MO 63025-3613
Document Number	2022092600283
Map Reference	MB 346 PG 488
Instrument Date	Sep 23, 2022
Instrument	2022092600283
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Amount	Amount Recorded
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	1223 BROOMSTICK LN, 1223, CHESTERFIELD, MO 63017-8437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 SPRING COVE CT, EUREKA, MO 63025-3613

Mortgage

Document Number	2022092600284
Date	Sep 26, 2022
Instrument	2022092600284

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	1-Year CMT
Max Rate	10.6%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	828 SPRING COVE CT, EUREKA, MO 63025-3613
Document Number	0232760746
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 27, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	828 SPRING COVE CT EUREKA MO 630253613, EUREKA, MO 63025-3613

Mortgage

Document Number	0232760746
Date	Nov 9, 2018
Book Page	023276/000746
Instrument	143

Lender

Name	FIRST BK
Type	Bank
Address	CREVE COEUR, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$139,650 (-6.02%) Land $24,780 Building $114,870	$735,000 (-6.02%) Land $130,400 Building $604,600
2025	$10,115.00 (+8.93%)	$148,600 (+19.46%) Land $24,780 Building $123,820	$782,100 (+19.46%) Land $130,400 Building $651,700
2024	$9,286.00 (-0.09%)
2023	$9,294.00	$124,390 Land $16,530 Building $107,860	$654,700 Land $87,000 Building $567,700

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
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	15 (1983–2017)
Most Recent Claim	May 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 4 claims Severe Storms And Flooding, Mar 2008 · 4 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Wisper ISP.

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