108 Stone Oaks Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 108 Stone Oaks Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,434 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$312,500 (Jul 2015)
Tax Bill	$4,637 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-3.0-06.0-2-001-001.19`

Property Details

APN / Parcel Number

Primary APN	`09-3.0-06.0-2-001-001.19`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,434 sqft Living Area
Gross Area	1,950 sqft
Basement Area	207 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	516 sqft
Porch	Open Frame Porch
Porch Area	100 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	108 STONE OAKS DR
City	ARNOLD
State	MO
Zip	63010-5412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R07
Legal Description	STONE OAKS LOT 19
Legal Range	6E
Legal Township	42N
Legal Section	06
Legal Subdivision	STONE OAKS
Legal Block	1
Legal Lot Number	19
Jurisdiction	JEFFERSON MO
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1021
Census Tract	700117

Owner

108 Stone Oaks Dr is owned and occupied by two individuals who acquired it in January 2023.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 STONE OAKS DR, ARNOLD, MO 63010-5412
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 31, 2023	Beneficiary Deed, Transfer
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2015 · Amount on File
Deed Sale	Jul 15, 2015 · Amount on File
Prior Sale	Mar 15, 2005 · Amount on File
Deed Document Number	201522527
Last Transfer Date	Jan 30, 2023
Transfer Doc	0000002412
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	108 STONE OAKS DR, ARNOLD, MO 63010-5412
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012984
Date	Mar 24, 2021
Instrument	2021R-012984

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

January 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jan 31, 2023
Property Address	108 STONE OAKS DR, ARNOLD, MO 63010-5412
Document Number	0000002412
Instrument Date	Jan 30, 2023
Instrument	2023R-002412
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 STONE OAKS DR, ARNOLD, MO 63010-5412

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	108 STONE OAKS DR, ARNOLD, MO 63010-5412
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041083
Date	Dec 30, 2019
Instrument	2019R-041083

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 108 Stone Oaks Dr was $4,637, up 4.3% from the year before.

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,100 (-) Land $7,700 Building $59,400	$353,500 (-) Land $40,700 Building $312,800
2025	$4,637.00 (+4.32%)	$67,100 Land $7,700 Building $59,400	$353,500 (-) Land $40,700 Building $312,800
2024	$4,445.00 (+0.59%)		$353,500 (+7.68%) Land $40,700 Building $312,800
2023	$4,419.00 (+0.09%)	$62,300 (-) Land $7,700 Building $54,600	$328,300 Land $40,700 Building $287,600
2022	$4,415.00	$62,300 Land $7,700 Building $54,600
2021			$328,300 Land $40,700 Building $287,600

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

FEMA maps place 108 Stone Oaks Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective October 2, 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	1 (1982)
Most Recent Claim	Jun 1982 · rainfall accumulation

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

Wildfire risk around 108 Stone Oaks Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% 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	JEFFERSON CO CONS PWSD C 1 serves 37,000 people · EPA ID MO6024295
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Aug 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 508 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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