85 Eagle Cove Pl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 85 Eagle Cove Pl, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 3,400 sqft · built 2003
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Sep 2021)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T030900083`

Property Details

APN / Parcel Number

Primary APN	`T030900083`
Alternative APN	`3-0003-9171-00-030B.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,400 sqft Living Area
Gross Area	4,371 sqft
1st Floor Area	2,115 sqft
Basement Area	1,836 sqft
Finished Basement	1,285 sqft
Unfinished Basement	551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Spanish
Exterior Material	Brick/Stone
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	329 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T030900083
Street Address	85 EAGLE COVE PL
City	SAINT CHARLES
State	MO
Zip	63303-3746
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	CARROLLTON MANOR #2 RESUB 28-30 37-47 UNIT 30B
Legal Subdivision	CARROLLTON MANOR #2 RESUB LOTS 28-30&37-
Legal Lot Number	30B
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1060
Census Tract	310901

Owner

Source: St. Charles County records, as of September 10, 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	85 EAGLE COVE PL, SAINT CHARLES, MO 63303-3746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Deed Document Number	202176630
Last Transfer Date	Mar 6, 2023
Transfer Doc	0000008280
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 14, 2021
Property Address	85 EAGLE COVE PL, SAINT CHARLES, MO 63303-3746
Document Number	2021R076630
Map Reference	MB 39 PG 235
Instrument Date	Sep 10, 2021
Instrument	2021R-076630
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 EAGLE COVE PL # PL30B, 85, SAINT CHARLES, MO 63303-3746

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	523 INDIAN HILLS DR, SAINT CHARLES, MO 63301-0559

Mortgage

Document Number	2021R076631
Date	Sep 14, 2021
Instrument	2021R-076631

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$75,960 (+6.64%)	$399,789 (+6.64%) Building $399,789
2023	$71,227
2022		$374,880 Building $374,880

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 25, 2024 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	69 (1979–2014)
Claims Outside the SFHA	14 of 69
Most Recent Claim	Jun 2014 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2008 · 2 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 2 claims Severe Storms & Flooding, Jul 1993 · 19 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 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20