St. Louis County property record for 1281 Clearlake Cir, Ballwin, MO 63011
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,166 sqft · built 1975 |
| Lot Size | 0.232 acres (10,084 sqft) |
| Owner | Individual Name on File |
| Last Sale | $209,000 (Oct 1999) |
| Tax Bill | $4,666 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 21Q-22-0980 |
| Primary APN | 21Q-22-0980 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,166 sqft Living Area |
| Gross Area | 2,814 sqft |
| 1st Floor Area | 999 sqft |
| Basement Area | 168 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 10,084 sqft (0.232 acres) |
| Lot Dimensions | 120 ft deep x 55 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 452 sqft |
| Deck Area | 240 sqft |
| Patio Area | 464 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1281 CLEARLAKE CIR |
|---|---|
| City | BALLWIN |
| State | MO |
| Zip | 63011-4218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | FOX CREEK ESTATES PLAT 10 10 16 74 LOT 1005 |
| Legal Subdivision | FOX CREEK ESTATES PLAT 10 |
| Legal Lot Number | 1005 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | MISSOURI RIVER |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 217702 |
1281 Clearlake Cir is owned and occupied by an individual who bought it in October 1999.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1281 CLEARLAKE CIR, BALLWIN, MO 63011-4218 |
| 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.
| Date | Document |
|---|---|
| Dec 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 20, 2020 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 1999 · Amount on File |
| Deed Sale | Oct 4, 1999 · Amount on File |
| Prior Sale | Feb 5, 1998 · Amount on File |
| Deed Document Number | 19991187 |
| Deed Book / Page | 2305 / 1227 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 1281 CLEARLAKE CIR, BALLWIN, MO 63011-4218 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0238223039 |
|---|---|
| Date | Dec 6, 2019 |
| Book Page | 23822/3039 |
| Instrument | 2019120600508 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Nov 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 1281 CLEARLAKE CIR, BALLWIN, MO 63011-4218 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1281 CLEARLAKE CIR, BALLWIN, MO 63011-4218 |
| Document Number | 0240545587 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 24054/5587 |
| Instrument | 2020052000700 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Apr 17, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1281 Clearlake Cir was $4,666, up 0.1% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Unified School District | Parkway C-2 School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $81,400 (-) Land $39,330 Building $42,070 | $428,400 (-) Land $207,000 Building $221,400 | |
| 2025 | $4,666.00 (+0.06%) | $81,400 Land $39,330 Building $42,070 | $428,400 Land $207,000 Building $221,400 |
| 2024 | $4,663.00 (-0.91%) | ||
| 2023 | $4,706.00 (+14.56%) | $71,820 (+24.26%) Land $20,980 Building $50,840 | $378,000 Land $110,400 Building $267,600 |
| 2022 | $4,108.00 | $57,800 Land $20,980 Building $36,820 | |
| 2021 | $304,200 Land $110,400 Building $193,800 |
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 1281 Clearlake Cir in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1983.
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 Policies | 2 in force |
| Nearby Flood Claims | 12 (1983–2020) |
| Claims Outside the SFHA | 3 of 12 |
| Most Recent Claim | Aug 2020 · 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.
Wildfire risk around 1281 Clearlake Cir 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.
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 429 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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