1928 Melody Ln, Arnold, MO 63010 Property Records

Jefferson County property record for 1928 Melody Ln, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,092 sqft · built 1961
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$165,400 (Aug 2004)
Tax Bill	$1,368 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014.019.04010030`

Property Details

APN / Parcel Number

Primary APN	`014.019.04010030`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	1,378 sqft
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Masonry / Concrete Block
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	286 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	704 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1928 MELODY LN
City	ARNOLD
State	MO
Zip	63010-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	MAXVILLE MEADOWS 2 LOT 33
Legal Range	6E
Legal Township	43N
Legal Section	19
Legal Subdivision	MAXVILLE MEADOWS 2
Legal Block	1
Legal Lot Number	33
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	1
Census Block	1011
Census Tract	700118

Owner

1928 Melody Ln is owned and occupied by two individuals who bought it in August 2004.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1928 MELODY LN, ARNOLD, MO 63010-1206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 27, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 17, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2004 · Amount on File
Deed Sale	Aug 24, 2004 · Amount on File
Prior Sale	Jan 8, 2001 · Amount on File
Deed Document Number	200449232
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1928 MELODY LN, ARNOLD, MO 63010-1206
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1928 MELODY LN, ARNOLD, MO 63010-1206

Mortgage

Document Number	0000002001
Date	Jan 27, 2026
Instrument	2026R-002001

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1928 MELODY LN, ARNOLD, MO 63010-1206
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1928 MELODY LN, ARNOLD, MO 63010-1206

Mortgage

Document Number	0000003890
Date	Feb 17, 2023
Instrument	2023R-003890

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Nov 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1928 MELODY LN, ARNOLD, MO 63010-1206
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R012687
Date	Mar 23, 2021
Instrument	2021R-012687

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 1928 Melody Ln was $1,368, up 5.1% from the year before.

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Arnold City
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$20,200 (-) Land $2,300 Building $17,900	$106,300 (-) Land $12,000 Building $94,300
2025	$1,368.00 (+5.15%)	$20,200 Land $2,300 Building $17,900	$106,300 (-) Land $12,000 Building $94,300
2024	$1,301.00 (+0.62%)		$106,300 (+8.58%) Land $12,000 Building $94,300
2023	$1,293.00	$18,600 Land $2,300 Building $16,300	$97,900 Land $12,000 Building $85,900

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

FEMA maps place 1928 Melody Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 2, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	28 (1979–1998)
Claims Outside the SFHA	17 of 28
Most Recent Claim	Apr 1998 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Sep 1993 · 4 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

The area around 1928 Melody Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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	JEFFERSON COUNTY PWSD 1 serves 21,113 people · EPA ID MO6024292
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Oct 2023
Lead	7 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 317 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

May also be available: T-Mobile, Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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