13 Gandy Dr, Saint Louis, MO 63146 Property Records

St. Louis County property record for 13 Gandy Dr, Saint Louis, MO 63146

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1959
Lot Size	0.248 acres (10,799 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Oct 2011)
Tax Bill	$3,365 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16N-54-0331`

Property Details

APN / Parcel Number

Primary APN	`16N-54-0331`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
Gross Area	1,844 sqft
1st Floor Area	1,204 sqft
Family Room	Family Room

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Lot Area	10,799 sqft (0.248 acres)
Lot Dimensions	80 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	310 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13 GANDY DR
City	SAINT LOUIS
State	MO
Zip	63146-4952
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	GRAELER PARK PLAT 3 LOT 168
Legal Subdivision	GRAELER PARK PLAT 3
Legal Lot Number	168
Jurisdiction	ST LOUIS MO
Township / Civil Division	CREVE COEUR
Census Block Group	1
Census Block	1005
Census Tract	215004

Owner

13 Gandy Dr is owned and occupied by two individuals who bought it in October 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 GANDY DR, SAINT LOUIS, MO 63146-4952
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
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 8, 2018	Deed of Trust, Mortgage COMMERCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2011 · Amount on File
Deed Sale	Oct 5, 2011 · Amount on File
Prior Sale	Mar 12, 2009 · Amount on File
Deed Document Number	2011797
Deed Book / Page	19685 / 2891
Prior Transfer Date	Sep 28, 2011
Prior Transfer Doc	0196852891
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	13 GANDY DR, SAINT LOUIS, MO 63146-4952
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 GANDY DR, SAINT LOUIS, MO 63146-4952

Mortgage

Document Number	0252040842
Date	Nov 8, 2021
Book Page	25204/842
Instrument	2021110800124

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	13 GANDY DR, SAINT LOUIS, MO 63146-4952
Document Number	0228580311
Instrument Date	Jan 8, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 GANDY DR ST LOUIS MO 631464952, ST LOUIS, MO 63146-4952

Mortgage

Document Number	0228580311
Date	Jan 16, 2018
Book Page	022858/000311
Instrument	51

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 13 Gandy Dr was $3,365, up 8.6% 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
Unified School District	Pattonville R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,940 (-) Land $14,440 Building $36,500	$268,100 (-) Land $76,000 Building $192,100
2025	$3,365.00 (+8.58%)	$50,940 Land $14,440 Building $36,500	$268,100 Land $76,000 Building $192,100
2024	$3,099.00 (-0.35%)
2023	$3,110.00 (+12.15%)	$44,140 (+22.07%) Land $9,030 Building $35,110	$232,300 Land $47,500 Building $184,800
2022	$2,773.00	$36,160 Land $10,830 Building $25,330
2021			$190,300 Land $57,000 Building $133,300

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 13 Gandy Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

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	4 in force
Nearby Flood Claims	8 (1978–2022)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jan 2022 · other causes

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 13 Gandy Dr 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 98% of the US · lower than 96% 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 383 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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