10505 E Watson Rd, Saint Louis, MO 63127 Property Records

St. Louis County property record for 10505 E Watson Rd, Saint Louis, MO 63127

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 4,223 sqft · built 2020
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jan 2019)
Tax Bill	$11,799 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26M-53-0387`

Property Details

APN / Parcel Number

Primary APN	`26M-53-0387`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	5,723 sqft Living Area
Gross Area	6,624 sqft
1st Floor Area	2,723 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	43,560 sqft
Lot Dimensions	290 ft deep x 150 ft wide
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	901 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Frame Porch
Porch Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10505 E WATSON RD
City	SAINT LOUIS
State	MO
Zip	63127-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Description	SURVEY 2453 SEC 00 TWN 00 RANGE 0 LOC 1142.92 FEET E OF LINDBERGH BLVD
Legal Subdivision	SURVEY 2453 SEC 00 TWN 00 RANGE 0
Jurisdiction	ST LOUIS MO
Township / Civil Division	GRAVOIS
Census Block Group	3
Census Block	3011
Census Tract	220803

Owner

Source: St. Louis County records, as of September 29, 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	9712 WATSON RD, SAINT LOUIS, MO 63126-1831
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Jun 30, 2020	Deed of Trust, Mortgage · Construction Mortgage BUSEY BANK
Jan 9, 2019	Warranty Deed, Transfer INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO-CLAYTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2019 · Amount on Record
Deed Sale	Jan 9, 2019 · Amount on Record
Deed Document Number	2019241
Deed Book / Page	23350 / 1020
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	10505 E WATSON RD, SAINT LOUIS, MO 63127-1409
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	SECURITY TITLE INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9712 WATSON RD, SAINT LOUIS, MO 63126-1831

Mortgage

Document Number	0245765140
Date	Jan 11, 2021
Book Page	24576/5140
Instrument	2021011100785

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	10505 E WATSON RD, SAINT LOUIS, MO 63127-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SECURITY TITLE INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9712 WATSON RD, SAINT LOUIS, MO 63126-1831

Mortgage

Document Number	0241120757
Date	Jun 30, 2020
Book Page	24112/757
Instrument	2020063000108

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jan 9, 2019
Property Address	10505 E WATSON RD, SAINT LOUIS, MO 63127-1409
Document Number	0233501020
Book / Page	023350 / 001020
Instrument Date	Jan 7, 2019
Instrument	241
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO-CLAYTON

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9712 WATSON RD ST LOUIS MO 631261831, ST LOUIS, MO 63126-1831

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Sunset Hills City
Unified School District	Lindbergh School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$215,080 (+15.95%) Land $43,660 Building $171,420	$1,132,000 (+15.95%) Land $229,800 Building $902,200
2025	$11,799.00 (+46.41%)	$185,500 (+50.97%) Land $43,660 Building $141,840	$976,300 (+50.97%) Land $229,800 Building $746,500
2024	$8,059.00 (+0.27%)
2023	$8,037.00	$122,870 Land $33,250 Building $89,620	$646,700 Land $175,000 Building $471,700

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 10, 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 Claims	2 (1979–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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	Not rated no burnable land within 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	KIRKWOOD PWS serves 28,000 people · EPA ID MO6010430
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Mar 2026
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Wisper ISP.

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