175 Spring Oaks Dr, Ballwin, MO 63011 Property Records

St. Louis County property record for 175 Spring Oaks Dr, Ballwin, MO 63011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,686 sqft · built 1984
Lot Size	0.327 acres (14,257 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,500 (Jan 2005)
Tax Bill	$6,460 (2025)
Deeds & Mortgages	May 2026 Line of Credit Sep 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22R-21-0750`

Property Details

APN / Parcel Number

Primary APN	`22R-21-0750`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,686 sqft Living Area
Gross Area	3,514 sqft
1st Floor Area	1,189 sqft
Basement Area	276 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	14,257 sqft (0.327 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Terrain	Below Road/Slope
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Deck Area	394 sqft
Patio Area	32 sqft
Balcony Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	175 SPRING OAKS DR
City	BALLWIN
State	MO
Zip	63011-3878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-2
Legal Description	CEDAR VALLEY 4 15 78 LOT 46
Legal Subdivision	CEDAR VALLEY
Legal Lot Number	46
Jurisdiction	ST LOUIS MO
Township / Civil Division	LAFAYETTE
Census Block Group	4
Census Block	4013
Census Tract	217807

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	175 SPRING OAKS DR, BALLWIN, MO 63011-3878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Sep 10, 2025	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Aug 30, 2018	Deed of Trust, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2005 · Amount on Record
Deed Sale	Jan 7, 2005 · Amount on Record
Prior Sale	Jan 7, 2004 · Amount on Record
Deed Document Number	2005318
Deed Book / Page	16301 / 225
Prior Transfer Date	Dec 20, 2004
Prior Transfer Doc	0163010225
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Recording Date	May 4, 2026
Property Address	175 SPRING OAKS DR, BALLWIN, MO 63011-3878
Document Number	0000000219
Instrument Date	Apr 7, 2026
Instrument	2026219
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SPRING OAKS DR, BALLWIN, MO 63011-3878

Mortgage

Document Number	0000000219,
Date	May 4, 2026
Instrument	2026219

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	175 SPRING OAKS DR, BALLWIN, MO 63011-3878
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SPRING OAKS DR, BALLWIN, MO 63011-3878

Mortgage

Document Number	2025091000056
Date	Sep 10, 2025
Instrument	2025091000056

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	175 SPRING OAKS DR, BALLWIN, MO 63011-3878
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SPRING OAKS DR, BALLWIN, MO 63011-3878

Mortgage

Document Number	0247485971
Date	Mar 24, 2021
Book Page	24748/5971
Instrument	2021032400926

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	175 SPRING OAKS DR, BALLWIN, MO 63011-3878
Document Number	0231921527
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	175 SPRING OAKS DR BALLWIN MO 630113878, BALLWIN, MO 63011-3878

Mortgage

Document Number	0231921527
Date	Sep 12, 2018
Book Page	023192/001527
Instrument	333

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Ballwin City
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		$94,380 (-) Land $35,000 Building $59,380	$496,700 (-) Land $184,200 Building $312,500
2025	$6,460.00 (+27.27%)	$94,380 (+3%) Land $35,000 Building $59,380	$496,700 (+29.99%) Land $184,200 Building $312,500
2024	$5,076.00 (+0.08%)
2023	$5,072.00 (+7.91%)	$72,600 (+15.55%) Land $23,330 Building $49,270	$382,100 (+15.54%) Land $122,800 Building $259,300
2022	$4,700.00	$62,830 Land $23,330 Building $39,500
2021			$330,700 Land $122,800 Building $207,900

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

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	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2018 · 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

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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