St. Louis County property record for 1807 Spencer Ave, Saint Louis, MO 63114
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,037 sqft · built 1947 |
| Lot Size | 0.216 acres (9,400 sqft) |
| Owner | Company Name on Record |
| Last Sale | $120,854 (Aug 2023) |
| Tax Bill | $2,012 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jul 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16L-54-0731 |
| Primary APN | 16L-54-0731 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,037 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Game Room | Game Room |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 9,400 sqft (0.216 acres) |
| Lot Dimensions | 188 ft deep x 50 ft wide |
| Terrain | Above Road/Slope |
| View / Lot | Cul-De-Sac |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 32 sqft |
| Patio Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1807 SPENCER AVE |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63114-3901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 43PDC |
| Legal Description | PAGEWOOD LOT 4 |
| Legal Subdivision | PAGEWOOD |
| Legal Block | 19 |
| Legal Lot Number | 4 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | MIDLAND |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 214602 |
Source: St. Louis County records, as of October 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Aug 21, 2023 | Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 14, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Jul 14, 2022 | Correction Deed ACCOMMODATION |
| Jun 29, 2021 | Beneficiary Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2023 · Amount on Record |
| Deed Sale | Aug 21, 2023 · Amount on Record |
| Prior Sale | Jul 14, 2022 · Amount on Record |
| Deed Document Number | 2023546 |
| Prior Transfer Date | Jun 29, 2022 |
| Prior Transfer Doc | 0000000207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Aug 21, 2023 |
| Property Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Document Number | 2023082100546 |
| Map Reference | MB 21 PG 46 |
| Instrument Date | Aug 15, 2023 |
| Instrument | 2023082100546 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2024 |
| Title Company | SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Name | Verified Name |
|---|---|
| Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Document Number | 2023082100547 |
|---|---|
| Date | Aug 21, 2023 |
| Instrument | 2023082100547 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Jul 14, 2022 |
| Property Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Document Number | 2022071400207 |
| Map Reference | MB 21 PG 46 |
| Instrument Date | Jun 29, 2022 |
| Instrument | 2022071400207 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | VANTAGE POINT TITLE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1807 SPENCER AVE, 1807, SAINT LOUIS, MO 63114-3901 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Document Number | 2022071400208 |
|---|---|
| Date | Jul 14, 2022 |
| Instrument | 2022071400208 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Jul 14, 2022 |
| Property Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Document Number | 2022071400206 |
| Map Reference | MB 21 PG 46 |
| Instrument Date | Jun 26, 2022 |
| Instrument | 2022071400206 |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Jun 29, 2021 |
| Property Address | 1807 SPENCER AVE, SAINT LOUIS, MO 63114-3901 |
| Document Number | 0245630403 |
| Book / Page | 24563 / 403 |
| Map Reference | MB 21 PG 46 |
| Instrument Date | Jun 24, 2021 |
| Instrument | 2021062900730 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1807 SPENCER AVE, OVERLAND, MO 63114-3901 |
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | Overland City |
| Unified School District | Ritenour School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $26,180 (-) Land $7,240 Building $18,940 | $137,800 (-) Land $38,100 Building $99,700 | |
| 2025 | $2,012.00 (+16.23%) | $26,180 (+29.86%) Land $7,240 Building $18,940 | $137,800 (+29.88%) Land $38,100 Building $99,700 |
| 2024 | $1,731.00 (+2.24%) | ||
| 2023 | $1,693.00 (-0.29%) | $20,160 (+11.75%) Land $3,310 Building $16,850 | $106,100 (+11.8%) Land $17,400 Building $88,700 |
| 2022 | $1,698.00 | $18,040 Land $3,310 Building $14,730 | |
| 2021 | $94,900 Land $17,400 Building $77,500 |
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.
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 Claims | 6 (1978–1982) |
| Most Recent Claim | Dec 1982 · tidal / storm surge |
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.
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.
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 243 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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