St. Louis County property record for 10643 Saint Stephen Ln, Saint Ann, MO 63074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 792 sqft · built 1950 |
| Lot Size | 0.114 acres (4,948 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,000 (Apr 2006) |
| Tax Bill | $2,344 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12M-32-0372 |
| Primary APN | 12M-32-0372 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 792 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Game Room | Game Room |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 4,948 sqft (0.114 acres) |
| Lot Dimensions | 45 ft deep x 45 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 132 sqft |
| Patio Area | 356 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10643 SAINT STEPHEN LN |
|---|---|
| City | SAINT ANN |
| State | MO |
| Zip | 63074-1612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 72R1 |
| Legal Description | ST ANN COUNTRY CLUB ADDITION LOT 117 |
| Legal Subdivision | ST ANN COUNTRY CLUB ADDITION |
| Legal Lot Number | 117 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | AIRPORT |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 213301 |
10643 Saint Stephen Ln is owned and occupied by an individual who bought it in April 2006.
Source: St. Louis County records, as of September 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10643 SAINT STEPHEN LN, SAINT ANN, MO 63074-1612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2006 · Amount on File |
| Deed Sale | Apr 26, 2006 · Amount on File |
| Prior Sale | Dec 19, 2003 · Amount on File |
| Deed Document Number | 20061141 |
| Deed Book / Page | 17139 / 2038 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Dec 8, 2021 |
| Property Address | 10643 SAINT STEPHEN LN, SAINT ANN, MO 63074-1612 |
| Document Number | 0252600818 |
| Book / Page | 25260 / 818 |
| Map Reference | MB 46 PG 8&9 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 2021120800109 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 CHIEFTAIN DR, 20, SAINT LOUIS, MO 63146-5400 |
| Name | Verified Name |
|---|---|
| Address | 10643 SAINT STEPHEN LN, SAINT ANN, MO 63074-1612 |
| Document Number | 2021120800110 |
|---|---|
| Date | Dec 8, 2021 |
| Instrument | 2021120800110 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 10643 Saint Stephen Ln was $2,344, up 6.5% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | St. Ann City |
| Unified School District | Pattonville R-III School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $26,510 (-) Land $5,360 Building $21,150 | $139,500 (-) Land $28,200 Building $111,300 | |
| 2025 | $2,344.00 (+6.55%) | $26,510 Land $5,360 Building $21,150 | $139,500 Land $28,200 Building $111,300 |
| 2024 | $2,200.00 (+1.43%) | ||
| 2023 | $2,169.00 (+11.86%) | $23,370 (+18.57%) Land $3,100 Building $20,270 | $123,000 Land $16,300 Building $106,700 |
| 2022 | $1,939.00 | $19,710 Land $3,100 Building $16,610 | |
| 2021 | $103,700 Land $16,300 Building $87,400 |
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.
FEMA maps place 10643 Saint Stephen Ln in Zone X, an area of minimal flood risk.
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 Policies | 2 in force |
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.
The area around 10643 Saint Stephen Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 510 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: ClearWave.
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