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

St. Charles County property record for 97 Eagle Cove Pl, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 2,510 sqft · built 2003
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$379,002 (Jul 2026)
Tax Bill	$3,421 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T030900097`

Property Details

APN / Parcel Number

Primary APN	`T030900097`
Alternative APN	`3-0003-9171-00-043B.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,510 sqft Living Area
Gross Area	3,506 sqft
1st Floor Area	1,570 sqft
Basement Area	1,516 sqft
Finished Basement	940 sqft
Unfinished Basement	576 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	38 sqft
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T030900097
Street Address	97 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 43B
Legal Subdivision	CARROLLTON MANOR #2 RESUB LOTS 28-30&37-
Legal Lot Number	43B
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 August 7, 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	97 EAGLE COVE PL, 43B, SAINT CHARLES, MO 63303-3746
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2026 · Amount on Record
Deed Sale	Jul 22, 2026 · Amount on Record
Prior Sale	May 8, 2007 · Amount on Record
Deed Document Number	202634531
Prior Transfer Date	Jun 11, 2007
Prior Transfer Doc	0000487890
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 22, 2026
Property Address	97 EAGLE COVE PL, SAINT CHARLES, MO 63303-3746
Document Number	0000034531
Instrument Date	Jul 22, 2026
Instrument	202634531
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	SECURITY TITLE INSURANCE AGENCY, SEC TITLE INS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 EAGLE COVE PL, 43B, SAINT CHARLES, MO 63303-3746

Mortgage

Document Number	0000034532,
Date	Jul 22, 2026
Instrument	202634532

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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		$59,355 (-)	$312,394 (-) Building $312,394
2025	$3,421.00	$59,355 (+2.25%)	$312,394 (+2.25%) Building $312,394
2023		$58,051
2022			$305,534 Building $305,534

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