1981 Rayner Rd, Saint Louis, MO 63122 Property Records

St. Louis County property record for 1981 Rayner Rd, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,132 sqft · built 1956
Lot Size	1.02 acres (44,527 sqft)
Owner	Individual Name on Record
Last Sale	$444,400 (Apr 2022)
Tax Bill	$6,085 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23O-62-0131`

Property Details

APN / Parcel Number

Primary APN	`23O-62-0131`
Alternative APN	`O/R TO`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,132 sqft Living Area
1st Floor Area	1,628 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	44,527 sqft
Lot Dimensions	280 ft deep x 225 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	1,066 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Frame Porch
Porch Area	456 sqft
Patio Area	747 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1981 RAYNER RD
City	SAINT LOUIS
State	MO
Zip	63122-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R1
Legal Description	HUE VISTA ADD NO 1 LOT 11
Legal Subdivision	HUE VISTA ADD NO 1
Legal Lot Number	11
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	1
Census Block	1016
Census Tract	218401

Owner

Source: St. Louis County records, as of October 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1981 RAYNER RD, SAINT LOUIS, MO 63122-3506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 6, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2022 · Amount on Record
Deed Sale	Apr 6, 2022 · Amount on Record
Prior Sale	Feb 19, 2009 · Amount on Record
Deed Document Number	2022411482
Prior Transfer Date	Apr 1, 2022
Prior Transfer Doc	0000000482
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Recording Date	May 26, 2026
Property Address	1981 RAYNER RD, SAINT LOUIS, MO 63122-3506
Document Number	0000000073
Instrument Date	May 18, 2026
Instrument	202673
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1981 RAYNER RD, SAINT LOUIS, MO 63122-3506

Mortgage

Document Number	0000000073,
Date	May 26, 2026
Instrument	202673

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2056

Interest

Rate	6.3%
Max Rate	-1%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MO
Recording Date	Apr 6, 2022
Property Address	1981 RAYNER RD, SAINT LOUIS, MO 63122-3506
Document Number	2022040600482
Map Reference	MB 53 PG 26
Instrument Date	Apr 1, 2022
Instrument	2022040600482
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1981 RAYNER RD, 1981, SAINT LOUIS, MO 63122-3506

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1981 RAYNER RD, SAINT LOUIS, MO 63122-3506

Mortgage

Document Number	2022040600483
Date	Apr 6, 2022
Instrument	2022040600483

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Kirkwood City
Unified School District	Kirkwood R-VII School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$107,820 (-) Land $84,910 Building $22,910	$567,500 (-) Land $446,900 Building $120,600
2025	$6,085.00 (+1%)	$107,820 (+11.88%) Land $84,910 Building $22,910	$567,500 (+11.89%) Land $446,900 Building $120,600
2024	$6,025.00 (+1.58%)
2023	$5,931.00 (+14.63%)	$96,370 (+22.28%) Land $63,670 Building $32,700	$507,200 (+22.28%) Land $335,100 Building $172,100
2022	$5,174.00	$78,810 Land $58,370 Building $20,440
2021			$414,800 Land $307,200 Building $107,600

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1979–2015)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Apr 2015 · rainfall accumulation

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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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	KIRKWOOD PWS serves 28,000 people · EPA ID MO6010430
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Mar 2026
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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