St. Louis County property record for 121 Bernhardt Ave, Saint Louis, MO 63121
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 796 sqft · built 1931 |
| Lot Size | 0.111 acres (4,853 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $143,796 (Dec 2021) |
| Tax Bill | $1,898 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13H-42-0183 |
| Primary APN | 13H-42-0183 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 796 sqft Living Area |
| 1st Floor Area | 796 sqft |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Bungalow |
| Exterior Material | Asbestos |
| Foundation Type | Raised |
| Lot Area | 4,853 sqft (0.111 acres) |
| Lot Dimensions | 33 ft deep x 33 ft wide |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 60 sqft |
| Patio Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 121 BERNHARDT AVE |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63121-1200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 96A |
| Legal Description | HOME CREST LOT PTS 6 & 7 E 33 FT OF W 233 FT |
| Legal Subdivision | HOME CREST |
| Legal Block | 3 |
| Legal Lot Number | 6,7 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | NORMANDY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 212701 |
Source: St. Louis County records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 121 BERNHARDT AVE, SAINT LOUIS, MO 63121-1200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 6, 2021 | Special Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jan 12, 2021 | Warranty Deed, Transfer TITLE EXPERTS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2021 · Amount on Record |
| Deed Sale | Dec 6, 2021 · Amount on Record |
| Prior Sale | Jan 12, 2021 · Amount on Record |
| Deed Document Number | 2021598 |
| Deed Book / Page | 25254 / 4640 |
| Transfer Doc | 0000001398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 121 BERNHARDT AVE, SAINT LOUIS, MO 63121-1200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 121 BERNHARDT AVE, SAINT LOUIS, MO 63121-1200 |
| Document Number | 2023092800400 |
|---|---|
| Date | Sep 28, 2023 |
| Instrument | 2023092800400 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Dec 6, 2021 |
| Property Address | 121 BERNHARDT AVE, SAINT LOUIS, MO 63121-1200 |
| Document Number | 0252544640 |
| Book / Page | 25254 / 4640 |
| Map Reference | MB 17 PG 50 |
| Instrument Date | Nov 29, 2021 |
| Instrument | 2021120600598 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | FREEDOM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 121 BERNHARDT AVE, SAINT LOUIS, MO 63121-1200 |
| Document Number | 2021120600599 |
|---|---|
| Date | Dec 6, 2021 |
| Instrument | 2021120600599 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Jan 12, 2021 |
| Property Address | 121 BERNHARDT AVE, SAINT LOUIS, MO 63121-1200 |
| Document Number | 0245824872 |
| Book / Page | 024582 / 004872 |
| Instrument Date | Jan 6, 2021 |
| Instrument | 1399 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2021 |
| Title Company | TITLE EXPERTS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 259 MEADOWBROOK COUNTRY CLUB EST BALLWIN MO 630111602, BALLWIN, MO 63011-1602 |
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cool Valley City |
| County | St. Louis County |
| Unified School District | Ferguson-Florissant R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $22,670 (-) Land $2,240 Building $20,430 | $119,300 (-) Land $11,800 Building $107,500 | |
| 2025 | $1,898.00 (+4.11%) | $22,670 (+11.51%) Land $2,240 Building $20,430 | $119,300 (+11.5%) Land $11,800 Building $107,500 |
| 2024 | $1,823.00 (+2.13%) | ||
| 2023 | $1,785.00 (+151.05%) | $20,330 (+178.88%) Land $3,000 Building $17,330 | $107,000 (+178.65%) Land $15,800 Building $91,200 |
| 2022 | $711.00 | $7,290 Land $2,240 Building $5,050 | |
| 2021 | $38,400 Land $11,800 Building $26,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 31 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 21 (2008–2024) |
| Most Recent Claim | Nov 2024 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% 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.
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 347 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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