St. Louis County property record for 11108 Bernice Ave, Saint Ann, MO 63074
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 784 sqft · built 1943 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,901 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jan 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13M-51-1498 |
| Primary APN | 13M-51-1498 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 784 sqft Living Area |
| 1st Floor Area | 784 sqft |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 50 ft deep x 50 ft wide |
| Garage Type | Open |
| Garage Area | 100 sqft |
| Porch | Open Frame Porch |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 11108 BERNICE AVE |
|---|---|
| City | SAINT ANN |
| State | MO |
| Zip | 63074-2117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 72R1 |
| Legal Description | BERKLEY GARDEN HOMESITES LOTS 23 & 24 |
| Legal Subdivision | BERKLEY GARDEN HOMESITES |
| Legal Block | 11 |
| Legal Lot Number | 23,24 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | AIRPORT |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 214800 |
11108 Bernice Ave is owned by a company that acquired it in June 2026.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2354 CHARTER WOOD CT, MARYLAND HEIGHTS, MO 63043-1405 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 16, 2026 | Warranty Deed, Transfer ELITE TITLE COMPANY INC, ELITE TITLE COMPANY |
| Jan 12, 2026 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE AFFINITY LLC |
| May 3, 2018 | Warranty Deed, Transfer US BK |
| Jan 20, 2017 | Warranty Deed, Transfer · Line of Credit AMERICAN BK/MO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 |
| Deed Sale | Jun 16, 2026 |
| Prior Sale | May 3, 2018 · Amount on File |
| Deed Document Number | 2026569 |
| Prior Transfer Date | Mar 12, 2018 |
| Prior Transfer Doc | 02301001170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Jun 16, 2026 |
| Property Address | 11108 BERNICE AVE, SAINT ANN, MO 63074-2117 |
| Document Number | 0000000569 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 2026569 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 2354 CHARTER WOOD CT, MARYLAND HEIGHTS, MO 63043-1405 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 11108 BERNICE AVE, SAINT ANN, MO 63074-2117 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 11108 BERNICE AVE, SAINT ANN, MO 63074-2117 |
| Document Number | 2026011200161 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 2026011200161 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | May 3, 2018 |
| Property Address | 11108 BERNICE AVE, SAINT ANN, MO 63074-2117 |
| Document Number | 0230101173 |
| Book / Page | 023010 / 001173 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 277 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Title Company | INVESTORS TITLE COMPANY-CLAYTON |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11108 BERNICE AVE ST ANN MO 630742117, ST ANN, MO 63074-2117 |
| Document Number | 230101176 |
|---|---|
| Date | May 3, 2018 |
| Book Page | 023010/001176 |
| Instrument | 278 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 2, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Jan 20, 2017 |
| Property Address | 11108 BERNICE AVE, SAINT ANN, MO 63074-2117 |
| Document Number | 0223640036 |
| Book / Page | 02236 / 000036 |
| Instrument Date | Dec 27, 2016 |
| Instrument | 28 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2018 |
| Title Company | PREFERRED LAND TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11108 BERNICE AVE ST ANN MO 630742117, ST ANN, MO 63074-2117 |
| Document Number | 223640039 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 022364/000039 |
| Instrument | 29 |
| Name | AMERICAN BK/MO |
|---|---|
| Type | Bank |
| Address | WRIGHT CITY, MO 63390 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 11108 Bernice Ave was $1,901, up 24.7% 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 | $20,370 (-) Land $6,460 Building $13,910 | $107,200 (-) Land $34,000 Building $73,200 | |
| 2025 | $1,901.00 (+24.66%) | $20,370 Land $6,460 Building $13,910 | $107,200 Land $34,000 Building $73,200 |
| 2024 | $1,525.00 (+1.26%) | ||
| 2023 | $1,506.00 (+34.95%) | $16,420 (+41.19%) Land $6,460 Building $9,960 | $86,400 Land $34,000 Building $52,400 |
| 2022 | $1,116.00 | $11,630 Land $5,740 Building $5,890 | |
| 2021 | $61,200 Land $30,200 Building $31,000 |
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 11108 Bernice Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 (1979–1986) |
| Most Recent Claim | Oct 1986 · river or lake flooding |
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 11108 Bernice Ave 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 316 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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