195 Spring Oaks Dr, Ballwin, MO 63011 Property Records

St. Louis County property record for 195 Spring Oaks Dr, Ballwin, MO 63011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,344 sqft · built 1977
Lot Size	0.331 acres (14,399 sqft)
Owner	2 Individual Names on File
Last Sale	$258,000 (Jun 2010)
Tax Bill	$4,924 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22R-23-0606`

Property Details

APN / Parcel Number

Primary APN	`22R-23-0606`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,344 sqft Living Area
Gross Area	3,024 sqft
1st Floor Area	1,064 sqft
Basement Area	200 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	14,399 sqft (0.331 acres)
Lot Dimensions	125 ft deep x 196 ft wide
Terrain	Below Road/Slope
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	50 sqft
Deck Area	315 sqft
Patio Area	256 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	195 SPRING OAKS DR
City	BALLWIN
State	MO
Zip	63011-3877
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-2
Legal Description	SPRINGWOOD PLAT 2 LOT 1238
Legal Subdivision	SPRINGWOOD PLAT 2
Legal Lot Number	1238
Jurisdiction	ST LOUIS MO
Township / Civil Division	LAFAYETTE
Census Block Group	4
Census Block	4014
Census Tract	217807

Owner

195 Spring Oaks Dr is owned and occupied by two individuals who bought it in June 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	195 SPRING OAKS DR, BALLWIN, MO 63011-3877
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage THRIVENT FCU
Feb 3, 2020	Deed of Trust, Mortgage · Line of Credit LOWER
Feb 3, 2020	Deed of Trust, Mortgage LOWER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2010 · Amount on File
Deed Sale	Jun 17, 2010 · Amount on File
Prior Sale	Aug 12, 2003 · Amount on File
Deed Document Number	2010616
Deed Book / Page	18974 / 1644
Prior Transfer Date	May 31, 2009
Prior Transfer Doc	0184492389
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	195 SPRING OAKS DR, BALLWIN, MO 63011-3877
Transaction Type	Mortgage
Record Updated	Sep 6, 2021
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 SPRING OAKS DR, BALLWIN, MO 63011-3877

Mortgage

Document Number	0249200469
Date	Jun 10, 2021
Book Page	24920/469
Instrument	2021061000231

Lender

Name	THRIVENT FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55415

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	195 SPRING OAKS DR, BALLWIN, MO 63011-3877
Document Number	0239162713
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	MEYMAX TITLE AGENCY/OH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	195 SPRING OAKS DR BALLWIN MO 630113877, BALLWIN, MO 63011-3877

Mortgage

Document Number	0239162713
Date	Feb 7, 2020
Book Page	023916/002713
Instrument	585

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 6, 2040

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	195 SPRING OAKS DR, BALLWIN, MO 63011-3877
Document Number	0239162697
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	MEYMAX TITLE AGENCY/OH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	195 SPRING OAKS DR BALLWIN MO 630113877, BALLWIN, MO 63011-3877

Mortgage

Document Number	0239162697
Date	Feb 7, 2020
Book Page	023916/002697
Instrument	584

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Amount	Amount on Record
Term	240 Months
Due	Feb 6, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 195 Spring Oaks Dr was $4,924, down 1.1% from the year before.

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		$80,290 (-) Land $29,940 Building $50,350	$422,600 (-) Land $157,600 Building $265,000
2025	$4,924.00 (-1.12%)	$80,290 Land $29,940 Building $50,350	$422,600 Land $157,600 Building $265,000
2024	$4,980.00 (+1.43%)
2023	$4,910.00 (+5.03%)	$76,950 (+14.89%) Land $23,370 Building $53,580	$405,000 Land $123,000 Building $282,000
2022	$4,675.00	$66,980 Land $23,370 Building $43,610
2021			$352,500 Land $123,000 Building $229,500

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.

Flood

FEMA maps place 195 Spring Oaks Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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

Wildfire risk around 195 Spring Oaks Dr is low, with less than a 0.01% annual chance of 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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