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Claim or joinCondo / COA · 62 units · GROVER, MO
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A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · FHA condo approval records
Relatively Moderate composite risk for this neighborhood area · 56th percentile of MO neighborhood areas
34 federal disaster declarations for this county, including 1 hurricane, most recent Jun 2025.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 63040
2020 +1.6% · 2021 +8.9% · 2022 +12.2% · 2023 +7.4% · 2024 +3.8% · 2025 -0.6%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
9% of nearby housing sits in 5+ unit buildings, most of it built in the 1990s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
Most recent significant event in St. Louis County: Flash flood, Aug 10, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe St. Louis County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 63040 · 2022
Average premium changed +4.7% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
1CORNERSTONE Building Solutions, LLC
Saint Louis, MO
Aci/Boland, INC.
Kansas City, MO
Adaptive Stainless, INC.
Billings, MO
Aec Systems, LLC
Springfield, MO
Alberici Constructors INC
St Louis, MO
All About Comfort Heating and Cooling LLC
Grain Valley, MO
Verified vendor companies serving St. Louis County, MO. Listing only, not an endorsement.
Common Elements verified vendor directory
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Cross-referenced public records
On file as HARBORS AT LAKE CHESTERFIELD
Principal address · Legal name · Type
Filed as shown; displayed as Harbors at Lake Chesterfield
Public record
Units · 1 linked public record
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Geocoded from the address on file
Map location
Geocoded 2026-06-06
Names are shown in title case for readability. The string above is the name on file, unchanged.
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