16118 Pine Terrace Dr, Ballwin, MO 63021 Property Records

St. Louis County property record for 16118 Pine Terrace Dr, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,920 sqft · built 1995
Lot Size	0.85 acres (37,026 sqft)
Owner	Trust Name on File
Last Sale	$395,000 (May 2008)
Tax Bill	$8,364 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25T-63-0191`

Property Details

APN / Parcel Number

Primary APN	`25T-63-0191`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,920 sqft Living Area
Gross Area	5,592 sqft
1st Floor Area	2,488 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	406 sqft
Deck Area	258 sqft
Patio Area	88 sqft
Balcony Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16118 PINE TERRACE DR
City	BALLWIN
State	MO
Zip	63021-6082
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PINE RIDGE TRAILS PLAT ONE LOT 14
Legal Subdivision	PINE RIDGE TRAILS PLAT ONE
Legal Lot Number	14
Jurisdiction	ST LOUIS MO
Township / Civil Division	MERAMEC
Census Block Group	3
Census Block	3000
Census Tract	217921

Owner

16118 Pine Terrace Dr is owner-occupied and held in a trust since December 2015.

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

Owner of Record	Trust Name on File
Mailing Address	16118 PINE TERRACE DR, BALLWIN, MO 63021-6082
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Jun 26, 2020	Deed of Trust, Mortgage FIRST CMNTY CU
Sep 29, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2008 · Amount on File
Deed Sale	May 6, 2008 · Amount on File
Prior Sale	May 6, 2008 · Amount on File
Deed Document Number	2008582
Deed Book / Page	17882 / 1975
Last Transfer Date	Dec 22, 2015
Transfer Doc	0218310672
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	16118 PINE TERRACE DR, BALLWIN, MO 63021-6082
Document Number	0241940735
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	16118 PINE TERRACE DR BALLWIN MO 630216082, BALLWIN, MO 63021-6082

Mortgage

Document Number	0241940735
Date	Aug 10, 2020
Book Page	024194/000735
Instrument	1767

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount on Record
Term	240 Months
Due	Aug 9, 2040

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	16118 PINE TERRACE DR, BALLWIN, MO 63021-6082
Document Number	0227610067
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	16118 PINE TERRACE DR BALLWIN MO 630216082, BALLWIN, MO 63021-6082

Mortgage

Document Number	0227610067
Date	Oct 31, 2017
Book Page	022761/000067
Instrument	64

Lender

Name	PNC BK
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Oct 30, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 16118 Pine Terrace Dr was $8,364, up 10.3% 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	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,310 (-) Land $45,830 Building $76,480	$643,700 (-) Land $241,200 Building $402,500
2025	$8,364.00 (+10.26%)	$122,310 Land $45,830 Building $76,480	$643,700 Land $241,200 Building $402,500
2024	$7,586.00 (+0.08%)
2023	$7,580.00 (+11.85%)	$108,700 (+19.98%) Land $25,460 Building $83,240	$572,100 Land $134,000 Building $438,100
2022	$6,777.00	$90,600 Land $15,280 Building $75,320
2021			$476,800 Land $80,400 Building $396,400

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 16118 Pine Terrace Dr in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1982.

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	1 in force
Nearby Flood Claims	23 (1982–2017)
Claims Outside the SFHA	9 of 23
Most Recent Claim	May 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 2 claims Severe Storms, Tornadoes, Flooding, Apr 1994 · 6 claims Severe Storms & Flooding, Sep 1993 · 9 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 16118 Pine Terrace Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 85 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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