1104 Terrace Dr, Saint Louis, MO 63117 Property Records

St. Louis County property record for 1104 Terrace Dr, Saint Louis, MO 63117

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,157 sqft · built 1936
Lot Size	0.253 acres (11,034 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Oct 2003)
Tax Bill	$5,473 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20K-63-0780`

Property Details

APN / Parcel Number

Primary APN	`20K-63-0780`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,157 sqft Living Area
Gross Area	2,189 sqft
1st Floor Area	1,187 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 2016
Architectural Style	Bungalow
Exterior Material	Brick
Foundation Type	Raised
Lot Area	11,034 sqft (0.253 acres)
Lot Dimensions	42 ft deep x 68 ft wide
Terrain	Above Road/Slope
View / Lot	Cul-De-Sac
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	187 sqft
Patio Area	355 sqft
Balcony Area	87 sqft
Poultry House	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1104 TERRACE DR
City	SAINT LOUIS
State	MO
Zip	63117-1335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	49R4
Legal Description	CLAYTON ROAD TERRACE & LOT PT 27 LOT 26
Legal Subdivision	CLAYTON ROAD TERRACE
Legal Lot Number	26
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	3
Census Block	3000
Census Tract	216600

Owner

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 Record
Mailing Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Jan 29, 2020	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Sep 24, 2018	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Nov 22, 2017	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2003 · Amount on Record
Deed Sale	Oct 29, 2003 · Amount on Record
Deed Document Number	20031119
Deed Book / Page	15429 / 1795
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Recording Date	Jun 29, 2026
Property Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335
Document Number	0000000266
Instrument Date	Jun 22, 2026
Instrument	2026266
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335

Mortgage

Document Number	0000000266,
Date	Jun 29, 2026
Instrument	2026266

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 26, 2046

Interest

Rate	6.51%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335

Mortgage

Document Number	0252541441
Date	Dec 6, 2021
Book Page	25254/1441
Instrument	2021120600192

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 5, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335

Mortgage

Document Number	0251685872
Date	Oct 14, 2021
Book Page	25168/5872
Instrument	2021101400761

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335
Document Number	0239102857
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 TERRACE DR ST LOUIS MO 631171335, ST LOUIS, MO 63117-1335

Mortgage

Document Number	0239102857
Date	Feb 4, 2020
Book Page	023910/002857
Instrument	419

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335
Document Number	0232180863
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 TERRACE DR ST LOUIS MO 631171335, ST LOUIS, MO 63117-1335

Mortgage

Document Number	0232180863
Date	Oct 1, 2018
Book Page	023218/000863
Instrument	120

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 30, 2038

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	1104 TERRACE DR, SAINT LOUIS, MO 63117-1335
Document Number	0227963595
Book / Page	022796 / 003595
Instrument Date	Nov 22, 2017
Transaction Type	Mortgage
Record Updated	Dec 6, 2017
Title Company	CONTINENTAL TITLE HOLDING COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 TERRACE DR ST LOUIS MO 631171335, ST LOUIS, MO 63117-1335

Mortgage

Document Number	0227963595
Date	Nov 29, 2017
Book Page	022796/003595
Instrument	597

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2047

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	Richmond Heights City
Unified School District	Clayton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,480 (-) Land $54,700 Building $41,780	$507,800 (-) Land $287,900 Building $219,900
2025	$5,473.00 (-0.64%)	$96,480 (+15.91%) Land $54,700 Building $41,780	$507,800 (+15.91%) Land $287,900 Building $219,900
2024	$5,508.00 (+0.04%)
2023	$5,506.00 (+22.14%)	$83,240 (+28.6%) Land $41,020 Building $42,220	$438,100 (+28.59%) Land $215,900 Building $222,200
2022	$4,508.00	$64,730 Land $45,580 Building $19,150
2021			$340,700 Land $239,900 Building $100,800

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 Policies	3 in force
Nearby Flood Claims	7 (1979–2022)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 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	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	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

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 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wisper ISP.

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