194 Spring Oaks Dr, Ballwin, MO 63011 Property Records

St. Louis County property record for 194 Spring Oaks Dr, Ballwin, MO 63011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,128 sqft · built 1977
Lot Size	0.274 acres (11,927 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Mar 2019)
Tax Bill	$4,532 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22R-23-0587`

Property Details

APN / Parcel Number

Primary APN	`22R-23-0587`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	2,611 sqft
1st Floor Area	1,064 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,927 sqft (0.274 acres)
Lot Dimensions	126 ft deep x 71 ft wide
Terrain	Above Road/Slope
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Patio Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	194 SPRING OAKS DR
City	BALLWIN
State	MO
Zip	63011-3834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-2
Legal Description	SPRINGWOOD PLAT 2 2 1 77 LOT 1236
Legal Subdivision	SPRINGWOOD PLAT 2
Legal Lot Number	1236
Jurisdiction	ST LOUIS MO
Township / Civil Division	LAFAYETTE
Census Block Group	4
Census Block	4015
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	194 SPRING OAKS DR, BALLWIN, MO 63011-3834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage F&B ACQUISITION GROUP LLC
Apr 13, 2020	Deed of Trust, Mortgage F&B ACQUISITION
Mar 12, 2019	Warranty Deed, Transfer F&B ACQUISITION
Nov 8, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2019 · Amount on Record
Deed Sale	Mar 12, 2019 · Amount on Record
Prior Sale	Jun 27, 2011 · Amount on Record
Deed Document Number	2019383
Deed Book / Page	23434 / 1792
Prior Transfer Date	Mar 7, 2002
Prior Transfer Doc	0000000131
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	194 SPRING OAKS DR, BALLWIN, MO 63011-3834
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SPRING OAKS DR, BALLWIN, MO 63011-3834
Investor	Possibly a Property Investor

Mortgage

Document Number	2023033100258
Date	Mar 31, 2023
Instrument	2023033100258

Lender

Name	UMB BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	194 SPRING OAKS DR, BALLWIN, MO 63011-3834
Transaction Type	Mortgage
Record Updated	Jun 18, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SPRING OAKS DR, BALLWIN, MO 63011-3834

Mortgage

Document Number	0246884150
Date	Mar 3, 2021
Book Page	24688/4150
Instrument	2021030300516

Lender

Name	F&B ACQUISITION GROUP LLC
Type	Non-Lending Institution
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	194 SPRING OAKS DR, BALLWIN, MO 63011-3834
Document Number	0240504833
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	194 SPRING OAKS DR BALLWIN MO 630113834, BALLWIN, MO 63011-3834

Mortgage

Document Number	0240504833
Date	May 18, 2020
Book Page	024050/004833
Instrument	338

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Mar 12, 2019
Property Address	194 SPRING OAKS DR, BALLWIN, MO 63011-3834
Document Number	0234341792
Book / Page	023434 / 001792
Instrument Date	Mar 8, 2019
Instrument	383
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	US TITLE-MEHLVILLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	194 SPRING OAKS DR BALLWIN MO 630113834, BALLWIN, MO 63011-3834

Mortgage

Document Number	234341795
Date	Mar 12, 2019
Book Page	023434/001795
Instrument	384

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	194 SPRING OAKS DR, BALLWIN, MO 63011-3834
Document Number	0232921379
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE - PLATINUM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SPRING OAKS DR BALLWIN MO 630113834, BALLWIN, MO 63011-3834

Mortgage

Document Number	0232921379
Date	Nov 26, 2018
Book Page	023292/001379
Instrument	244

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

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		$73,870 (-) Land $28,060 Building $45,810	$388,800 (-) Land $147,700 Building $241,100
2025	$4,532.00 (-4.67%)	$73,870 (+0.6%) Land $28,060 Building $45,810	$388,800 (+0.6%) Land $147,700 Building $241,100
2024	$4,754.00 (+1.43%)
2023	$4,687.00 (+10.49%)	$73,430 (+20.81%) Land $22,720 Building $50,710	$386,500 (+20.82%) Land $119,600 Building $266,900
2022	$4,242.00	$60,780 Land $22,720 Building $38,060
2021			$319,900 Land $119,600 Building $200,300

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
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	Low lower than 99.1% of the US · lower than 98.2% 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 399 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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