12 Dromara Rd, Saint Louis, MO 63124 Property Records

St. Louis County property record for 12 Dromara Rd, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	7 bd · 6 ba · 4,525 sqft · built 1929
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on File
Last Sale	$1,256,000 (May 2021)
Tax Bill	$11,730 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19K-42-0570`

Property Details

APN / Parcel Number

Primary APN	`19K-42-0570`

Interior

Bedrooms	7 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	22 Plumbing Fixtures
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	4,525 sqft Living Area
Gross Area	5,029 sqft
1st Floor Area	1,221 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Brick
Foundation Type	Raised
Lot Area	42,253 sqft (0.97 acres)
Lot Dimensions	178 ft deep x 210 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	46 sqft
Balcony Area	53 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 DROMARA RD
City	SAINT LOUIS
State	MO
Zip	63124-1800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33C
Legal Description	DROMARA ROAD LOT 12
Legal Subdivision	DROMARA ROAD
Legal Lot Number	12
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	4
Census Block	4006
Census Tract	215400

Owner

12 Dromara Rd is owned and occupied by two individuals who acquired it in November 2021.

Source: St. Louis County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 DROMARA RD, SAINT LOUIS, MO 63124-1800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 14, 2022	Beneficiary Deed, Transfer
May 12, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Aug 22, 2019	Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2021 · Amount on File
Deed Sale	May 12, 2021 · Amount on File
Prior Sale	Aug 22, 2019 · Amount on File
Deed Document Number	2021108
Deed Book / Page	24858 / 838
Last Transfer Date	Nov 29, 2021
Transfer Doc	0253281137
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	12 DROMARA RD, SAINT LOUIS, MO 63124-1800
Transaction Type	Mortgage
Record Updated	Feb 22, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 DROMARA RD, SAINT LOUIS, MO 63124-1800

Mortgage

Document Number	0252682829
Date	Dec 14, 2021
Book Page	25268/2829
Instrument	2021121400441

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

January 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jan 14, 2022
Property Address	12 DROMARA RD, SAINT LOUIS, MO 63124-1800
Document Number	0253281137
Book / Page	25328 / 1137
Map Reference	MB 24 PG 39
Instrument Date	Nov 29, 2021
Instrument	2022011400201
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 DROMARA RD, 12, SAINT LOUIS, MO 63124-1800

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	12 DROMARA RD, SAINT LOUIS, MO 63124-1800

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	May 12, 2021
Property Address	12 DROMARA RD, SAINT LOUIS, MO 63124-1800
Document Number	0248580838
Book / Page	24858 / 838
Map Reference	MB 24 PG 39
Instrument Date	May 6, 2021
Instrument	2021051200108
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	US TITLE-MAIN, US TITLE MAIN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 DROMARA RD, 12, SAINT LOUIS, MO 63124-1800

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 DROMARA RD, SAINT LOUIS, MO 63124-1800

Mortgage

Document Number	2021051200109
Date	May 12, 2021
Instrument	2021051200109

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	8.12%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Aug 22, 2019
Property Address	12 DROMARA RD, SAINT LOUIS, MO 63124-1800
Document Number	0236660688
Book / Page	023666 / 000688
Instrument Date	Aug 13, 2019
Instrument	85
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 DROMARA RD ST LOUIS MO 631241800, ST LOUIS, MO 63124-1800

Tax Assessment & Valuation

The 2025 property tax bill for 12 Dromara Rd was $11,730, down 25% from the year before.

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Ladue City
Unified School District	Ladue School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,180 (+5.83%) Land $94,300 Building $96,880	$1,006,200 (+5.84%) Land $496,300 Building $509,900
2025	$11,730.00 (-25.03%)	$180,640 Land $94,300 Building $86,340	$950,700 Land $496,300 Building $454,400
2024	$15,646.00 (+0.19%)
2023	$15,617.00	$231,840 Land $113,110 Building $118,730	$1,220,200 Land $595,300 Building $624,900

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 12 Dromara Rd in Zone X, an area of minimal flood risk, though there have been 30 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
Flood Insurance Cost	Premium on File median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	30 (1979–2022)
Claims Outside the SFHA	8 of 30
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 3 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 6 claims Severe Storms & Flooding, Aug 1993 · 7 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

Wildfire risk around 12 Dromara Rd 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 97% of the US · lower than 95% 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	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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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