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

St. Charles County property record for 96 Eagle Cove Pl, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,623 sqft · built 2003
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (May 2022)
Tax Bill	$3,133 (2022)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T030900091`

Property Details

APN / Parcel Number

Primary APN	`T030900091`
Alternative APN	`3-0003-9171-00-040B.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,623 sqft Living Area
Gross Area	3,559 sqft
1st Floor Area	1,623 sqft
Basement Area	1,536 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Spanish
Exterior Material	Brick/Stone
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T030900091
Street Address	96 EAGLE COVE PL
City	SAINT CHARLES
State	MO
Zip	63303-3747
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	CARROLLTON MANOR #2 RESUB 28-30 37-47 UNIT 40B
Legal Subdivision	CARROLLTON MANOR #2 RESUB LOTS 28-30&37-
Legal Lot Number	40B
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1061
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	Individual Name on Record
Mailing Address	96 EAGLE COVE PL, SAINT CHARLES, MO 63303-3747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2022 · Amount on Record
Deed Sale	May 19, 2022 · Amount on Record
Prior Sale	Apr 11, 2014
Deed Document Number	202228558
Prior Transfer Date	Apr 9, 2014
Prior Transfer Doc	0000179410
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 19, 2022
Property Address	96 EAGLE COVE PL, SAINT CHARLES, MO 63303-3747
Document Number	0000028558
Map Reference	MB 39 PG 235
Instrument Date	May 19, 2022
Instrument	2022R-028558
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, ALLIED TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 EAGLE COVE LN, SAINT CHARLES, MO 63303-3738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 EAGLE COVE PL, SAINT CHARLES, MO 63303-3747

Mortgage

Document Number	0000028559
Date	May 19, 2022
Instrument	2022R-028559

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	5.5%
Index	Other
Margin	3
Max Rate	8.5%

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,194 (+2.49%)	$306,282 (+2.49%) Building $306,282
2023		$56,782 (+15.54%)
2022	$3,133.00	$49,146	$298,852 (+15.54%) Building $298,852
2021			$258,665

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