112 Sophie Ln, Arnold, MO 63010 Property Records

Jefferson County property record for 112 Sophie Ln, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,156 sqft · built 2006
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$393,480 (Jun 2025)
Tax Bill	$2,798 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-9.0-29.0-1-002-003.75`

Property Details

APN / Parcel Number

Primary APN	`01-9.0-29.0-1-002-003.75`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,156 sqft Living Area
Gross Area	1,556 sqft
Basement Area	400 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Construction Type	Frame
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	159 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	112 SOPHIE LN
City	ARNOLD
State	MO
Zip	63010-6400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAS AT WINDCREST 3 LOT 91
Legal Range	6E
Legal Township	43N
Legal Section	29
Legal Subdivision	VILLAS AT WINDCREST 3
Legal Block	1
Legal Lot Number	91
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	1
Census Block	1008
Census Tract	700121

Owner

Source: Jefferson County records, as of August 25, 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	112 SOPHIE LN, ARNOLD, MO 63010-6400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Jan 14, 2021	Quit Claim Deed, Transfer UNITED WHOLESALE MTG
Sep 8, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG
Apr 24, 2017	Trustee's Deed, Construction Loan · Construction Mortgage TREASURE WAY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2025 · Amount on Record
Deed Sale	Jun 23, 2025 · Amount on Record
Prior Sale	Nov 2, 2022 · Amount on Record
Deed Document Number	202515159
Prior Transfer Date	Oct 24, 2015
Prior Transfer Doc	2015R036025
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	Nov 2, 2022
Property Address	112 SOPHIE LN, ARNOLD, MO 63010-6400
Document Number	0000035411
Map Reference	MB 326 PG 23
Instrument Date	Oct 27, 2022
Instrument	2022R-035411
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SOPHRIE LANE, ARNOLD, MO 63010-6400

Mortgage

Document Number	0000035412
Date	Nov 2, 2022
Instrument	2022R-035412

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	Other
Max Rate	12.7%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jan 14, 2021
Property Address	112 SOPHIE LN, ARNOLD, MO 63010-6400
Document Number	0000001983
Instrument Date	Jan 8, 2021
Instrument	1983
Transaction Type	Transfer
Record Updated	Mar 19, 2021
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	112 SOPHIE LN ARNOLD MO 630106400, ARNOLD, MO 63010-6400

Mortgage

Document Number	1984
Date	Jan 14, 2021
Instrument	1984

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 13, 2036

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Sep 8, 2017
Property Address	112 SOPHIE LN, ARNOLD, MO 63010-6400
Document Number	0000028046
Instrument Date	Aug 31, 2017
Instrument	28046
Transaction Type	Transfer
Record Updated	Sep 18, 2017
Title Company	SIGNATURE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SOPHIE LN ARNOLD MO 630106400, ARNOLD, MO 63010-6400

Mortgage

Document Number	28047
Date	Sep 8, 2017
Instrument	28047

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2047

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JEFFERSON MO
Recording Date	Apr 24, 2017
Property Address	112 SOPHIE LN, ARNOLD, MO 63010-6400
Instrument Date	Apr 21, 2017
Instrument	12117
Transaction Type	Construction Loan
Record Updated	Apr 28, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1799 SMIZER STATION RD FENTON MO 630262714, FENTON, MO 63026-2714

Mortgage

Document Number	0000012117
Date	Apr 24, 2017
Instrument	12117

Lender

Name	TREASURE WAY LLC
Address	4098 PRINCETON RIDGE DR, WILDWOOD, MO 63025-2358

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 23, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Arnold City
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		$41,300 (-) Land $7,700 Building $33,600	$217,500 (-) Land $40,700 Building $176,800
2025	$2,798.00 (+5.27%)	$41,300 (+8.68%) Land $7,700 Building $33,600	$217,500 (-) Land $40,700 Building $176,800
2024	$2,658.00 (+0.61%)		$217,500 (+8.59%) Land $40,700 Building $176,800
2023	$2,642.00	$38,000 Land $7,700 Building $30,300	$200,300 Land $40,700 Building $159,600

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

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Jul 2024 · 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

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	JEFFERSON COUNTY PWSD 1 serves 21,113 people · EPA ID MO6024292
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Oct 2023
Lead	7 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 562 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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