1856 Rustic Oak Rd, Chesterfield, MO 63017 Property Records

St. Louis County property record for 1856 Rustic Oak Rd, Chesterfield, MO 63017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,038 sqft · built 1975
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,222 (2024)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20S-43-0232`

Property Details

APN / Parcel Number

Primary APN	`20S-43-0232`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,038 sqft Living Area
Gross Area	2,734 sqft
1st Floor Area	2,038 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2016
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	123 ft deep x 110 ft wide
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	384 sqft
Patio Area	120 sqft
Balcony Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1856 RUSTIC OAK RD
City	CHESTERFIELD
State	MO
Zip	63017-5014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	105R1A
Legal Description	OLD CLARKSON FOREST PLAT 3 AMENDED 7 9 74 LOT 43
Legal Subdivision	OLD CLARKSON FOREST PLAT 3 AMENDED
Legal Lot Number	43
Jurisdiction	ST LOUIS MO
Township / Civil Division	CHESTERFIELD
Census Block Group	1
Census Block	1001
Census Tract	217851

Owner

Source: St. Louis County records · APN 20S-43-0232

Assessment roll updated September 29, 2025 · Last verified August 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 File
Mailing Address	1856 RUSTIC OAK RD, CHESTERFIELD, MO 63017-5014
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 16, 2025
Deed Sale	Apr 16, 2025
Prior Sale	Aug 24, 2020 · Amount on Record
Deed Document Number	20255
Prior Transfer Date	Aug 31, 2023
Prior Transfer Doc	0000000387
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Aug 24, 2020
Property Address	1856 RUSTIC OAK RD, CHESTERFIELD, MO 63017-5014
Document Number	0242781429
Book / Page	24278 / 1429
Map Reference	MB 58 PG 14&15
Instrument Date	Jun 04, 2020
Instrument	2020082401364
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020082401365
Date	Aug 24, 2020
Instrument	2020082401365

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated September 29, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Chesterfield City
County	St. Louis County
Unified School District	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$80,690 (+10.23%) Land $31,560 Building $49,130	$424,700 (+10.23%) Land $166,100 Building $258,600
2024	$5,222.00 (+2.65%)
2023	$5,087.00 (+5.87%)	$73,200 (+13.21%) Land $23,670 Building $49,530	$385,300 (+13.22%) Land $124,600 Building $260,700
2022	$4,805.00	$64,660 Land $27,630 Building $37,030
2021			$340,300 Land $145,400 Building $194,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 10, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

Based on FCC filings for 235 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.