91 Tower Valley Dr, Hillsboro, MO 63050 Property Records

Jefferson County property record for 91 Tower Valley Dr, Hillsboro, MO 63050

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 968 sqft · built 1977
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$71,900 (May 2019)
Tax Bill	$1,289 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Apr 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`077.025.00000017`

Property Details

APN / Parcel Number

Primary APN	`077.025.00000017`
Alternative APN	`0770250 017`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	968 sqft Living Area
1st Floor Area	440 sqft
Basement Area	440 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	Raised
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	225 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	264 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	91 TOWER VALLEY DR
City	HILLSBORO
State	MO
Zip	63050-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	PT NW1/4 AKA LOT 25
Legal Range	4E
Legal Township	42N
Legal Section	25
Legal Block	2
Legal Lot Number	25
Jurisdiction	JEFFERSON MO
Township / Civil Division	MERAMEC
Census Block Group	2
Census Block	2017
Census Tract	700503

Owner

91 Tower Valley Dr is owned and occupied by an individual who bought it in May 2019.

Source: Jefferson County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	91 TOWER VALLEY DR, HILLSBORO, MO 63050-1203
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

Date	Document
Oct 9, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Apr 12, 2024	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
May 19, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE COMPANY LLC
May 2, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MTG
Jan 15, 2019	Warranty Deed, Transfer RODRIGO HERNANDEZ

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2019 · Amount on File
Deed Sale	May 2, 2019 · Amount on File
Prior Sale	Jan 15, 2019 · Amount on File
Deed Document Number	201912080
Prior Transfer Date	Apr 1, 2011
Prior Transfer Doc	0000012090
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Recording Date	Oct 9, 2026
Property Address	91 TOWER VALLEY DR, HILLSBORO, MO 63050-1203
Document Number	0000028101
Instrument Date	Jul 20, 2026
Instrument	202628101
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 TOWER VALLEY DR, HILLSBORO, MO 63050-1203

Mortgage

Document Number	0000028101,
Date	Oct 9, 2026
Instrument	202628101

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	271 Months
Due	May 1, 2049

Interest

Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	91 TOWER VALLEY DR, HILLSBORO, MO 63050-1203
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 TOWER VALLEY DR, HILLSBORO, MO 63050-1203

Mortgage

Document Number	0000008608
Date	Apr 12, 2024
Instrument	2024R-008608

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	May 1, 2049

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	91 TOWER VALLEY DR, HILLSBORO, MO 63050-1203
Transaction Type	Mortgage
Record Updated	Jun 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R021919
Date	May 19, 2021
Instrument	2021R-021919

Lender

Name	GUILD MORTGAGE COMPANY LLC
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	May 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	May 2, 2019
Property Address	91 TOWER VALLEY DR, HILLSBORO, MO 63050-1203
Document Number	0000012080
Instrument Date	Apr 30, 2019
Instrument	12080
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 TOWER VALLEY DR HILLSBORO MO 630501203, HILLSBORO, MO 63050-1203

Mortgage

Document Number	12081
Date	May 2, 2019
Instrument	12081

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 93141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jan 15, 2019
Property Address	91 TOWER VALLEY DR, HILLSBORO, MO 63050-1203
Document Number	0000001481
Instrument Date	Jan 11, 2019
Instrument	1481
Transaction Type	Transfer
Record Updated	Feb 1, 2019

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	119 S MAIN ST ST CHARLES MO 633012802, ST CHARLES, MO 63301-2802

Mortgage

Document Number	1482
Date	Jan 15, 2019
Instrument	1482

Lender

Name	RODRIGO HERNANDEZ
Address	535 MIRA VILLA DR, ST PETERS, MO 63376-7618

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 91 Tower Valley Dr was $1,289, up 8.7% 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	Hillsboro R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$20,000 (-) Land $1,800 Building $18,200	$105,000 (-) Land $9,400 Building $95,600
2025	$1,289.00 (+8.68%)	$20,000 Land $1,800 Building $18,200	$105,000 (-) Land $9,400 Building $95,600
2024	$1,186.00 (-2.39%)		$105,000 (+7.25%) Land $9,400 Building $95,600
2023	$1,215.00	$18,600 Land $1,800 Building $16,800	$97,900 Land $9,400 Building $88,500

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 91 Tower Valley Dr in Zone X, an area of minimal flood risk, though there have been 38 flood claims nearby since 1979.

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	7 in force
Nearby Flood Claims	38 (1979–2017)
Claims Outside the SFHA	8 of 38
Most Recent Claim	Apr 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 4 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 5 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

Wildfire risk around 91 Tower Valley Dr is low, with a 0.03% annual chance of 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	0.03% 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 CONS PWSD C 1 serves 37,000 people · EPA ID MO6024295
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Aug 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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