18 Bernhardt Ave, Saint Louis, MO 63121 Property Records

St. Louis County property record for 18 Bernhardt Ave, Saint Louis, MO 63121

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 923 sqft · built 1924
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$92,900 (Apr 2006)
Tax Bill	$1,331 (2025)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13H-42-0242`

Property Details

APN / Parcel Number

Primary APN	`13H-42-0242`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	923 sqft Living Area
Gross Area	1,103 sqft
1st Floor Area	780 sqft
Basement Area	84 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	50 ft deep x 50 ft wide
Terrain	Above Road/Slope
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	18 BERNHARDT AVE
City	SAINT LOUIS
State	MO
Zip	63121-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	96A
Legal Description	HOME CREST LOT PT 6 W PT
Legal Subdivision	HOME CREST
Legal Block	4
Legal Lot Number	6
Jurisdiction	ST LOUIS MO
Township / Civil Division	NORMANDY
Census Block Group	1
Census Block	1026
Census Tract	212701

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	18 BERNHARDT AVE, SAINT LOUIS, MO 63121-1203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2006 · Amount on Record
Deed Sale	Apr 21, 2006 · Amount on Record
Prior Sale	Oct 21, 1998 · Amount on Record
Deed Document Number	2006579
Deed Book / Page	17133 / 4744
Prior Transfer Date	Sep 1, 2004
Prior Transfer Doc	0000000368
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	18 BERNHARDT AVE, SAINT LOUIS, MO 63121-1203
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BERNHARDT AVE, SAINT LOUIS, MO 63121-1203

Mortgage

Document Number	2022122800480
Date	Dec 28, 2022
Instrument	2022122800480

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cool Valley City
County	St. Louis County
Unified School District	Ferguson-Florissant R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$15,710 (-) Land $2,390 Building $13,320	$82,700 (-) Land $12,600 Building $70,100
2025	$1,331.00 (+12.61%)	$15,710 (+21.03%) Land $2,390 Building $13,320	$82,700 (+21.08%) Land $12,600 Building $70,100
2024	$1,182.00 (+2.07%)
2023	$1,158.00 (+30.41%)	$12,980 (+42.64%) Land $3,190 Building $9,790	$68,300 (+42.59%) Land $16,800 Building $51,500
2022	$888.00	$9,100 Land $2,390 Building $6,710
2021			$47,900 Land $12,600 Building $35,300

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	21 (2008–2024)
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2022 · 17 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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 347 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20