128 Sophie Ln, Arnold, MO 63010 Property Records

Jefferson County property record for 128 Sophie Ln, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,156 sqft · built 2005
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$190,600 (Nov 2005)
Tax Bill	$2,757 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-9.0-29.0-1-002-003.71`

Property Details

APN / Parcel Number

Primary APN	`01-9.0-29.0-1-002-003.71`

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 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Construction Type	Frame
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Open Frame Porch
Porch Area	114 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	128 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 87
Legal Range	6E
Legal Township	43N
Legal Section	29
Legal Subdivision	VILLAS AT WINDCREST 3
Legal Block	1
Legal Lot Number	87
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	1
Census Block	1008
Census Tract	700121

Owner

128 Sophie Ln is owned and occupied by two individuals who bought it in November 2005.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	128 SOPHIE LN, ARNOLD, MO 63010-6400
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 2, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jul 15, 2017	Deed of Trust, Mortgage · FHA Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2005 · Amount on File
Deed Sale	Nov 9, 2005 · Amount on File
Deed Document Number	200561239
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	128 SOPHIE LN, ARNOLD, MO 63010-6400
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 SOPHIE LN, ARNOLD, MO 63010-6400

Mortgage

Document Number	0000007071
Date	Mar 2, 2022
Instrument	2022R-007071

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	128 SOPHIE LN, ARNOLD, MO 63010-6400
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 SOPHIE LN, ARNOLD, MO 63010-6400

Mortgage

Document Number	0000007070
Date	Mar 2, 2022
Instrument	2022R-007070

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	128 SOPHIE LN, ARNOLD, MO 63010-6400
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R009207
Date	Mar 3, 2021
Instrument	2021R-009207

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	128 SOPHIE LN, ARNOLD, MO 63010-6400
Document Number	0000022390
Instrument Date	Jul 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 SOPHIE LN ARNOLD MO 630106400, ARNOLD, MO 63010-6400

Mortgage

Document Number	0000022390
Date	Jul 21, 2017
Instrument	22390

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 20, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 128 Sophie Ln was $2,757, up 4% from the year before.

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		$40,700 (-) Land $7,700 Building $33,000	$214,600 (-) Land $40,700 Building $173,900
2025	$2,757.00 (+4%)	$40,700 Land $7,700 Building $33,000	$214,600 (-) Land $40,700 Building $173,900
2024	$2,651.00 (+0.61%)		$214,600 (+7.41%) Land $40,700 Building $173,900
2023	$2,635.00	$37,900 Land $7,700 Building $30,200	$199,800 Land $40,700 Building $159,100

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 128 Sophie Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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

The area around 128 Sophie Ln 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.

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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