21 Somerset Downs, Saint Louis, MO 63124 Property Records

St. Louis County property record for 21 Somerset Downs, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	3 bd · 7 ba · 15,115 sqft · built 1996
Lot Size	3.08 acres (134,165 sqft)
Owner	2 Individual Names on File
Last Sale	$2,529,381 (Oct 2016)
Tax Bill	$61,446 (2025)
Deeds & Mortgages	May 2018 Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20M-21-0032`

Property Details

APN / Parcel Number

Primary APN	`20M-21-0032`

Interior

Bedrooms	3 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	36 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	15,115 sqft Living Area
Gross Area	19,658 sqft
1st Floor Area	8,265 sqft
Basement Area	3,000 sqft
Finished Basement	3,000 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Stone
Foundation Type	Raised
Lot Area	134,165 sqft
Lot Dimensions	334 ft deep x 309 ft wide
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	4,543 sqft
Parking Spaces	16 Parking Spaces

Exterior Amenities

Pool Area	1,250 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	1,038 sqft
Patio Area	259 sqft
Poultry House	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	21 SOMERSET DOWNS
City	SAINT LOUIS
State	MO
Zip	63124-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33A
Legal Description	SOMERSET DOWNS PLAT 2 LOT A
Legal Subdivision	SOMERSET DOWNS PLAT 2
Legal Lot Number	A
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	3
Census Block	3005
Census Tract	217500

Owner

21 Somerset Downs is owned and occupied by two individuals who bought it in October 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007
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
May 8, 2018	Deed of Trust, Mortgage MIDWEST BANKCENTRE
May 23, 2017	Trustee's Deed, Construction Loan · Line of Credit MIDWEST BANKCENTRE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2016 · Amount on File
Deed Sale	Oct 25, 2016 · Amount on File
Deed Document Number	2016887
Deed Book / Page	22248 / 3032
Prior Transfer Date	Sep 6, 2007
Prior Transfer Doc	0176815370
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	21 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007
Document Number	0230300129
Instrument Date	May 8, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 SOMERSET DOWNS ST LOUIS MO 631241007, ST LOUIS, MO 63124-1007

Mortgage

Document Number	0230300129
Date	May 17, 2018
Book Page	023030/000129
Instrument	16

Lender

Name	MIDWEST BANKCENTRE
Type	Bank
Address	2191 LEMAY FERRY RD, ST LOUIS, MO 63125-2435

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MO
Recording Date	May 23, 2017
Property Address	21 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007
Document Number	0225362250
Book / Page	022536 / 002250
Instrument Date	May 10, 2017
Instrument	521
Transaction Type	Construction Loan
Record Updated	May 31, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 LOG CABIN DR ST LOUIS MO 631241588, ST LOUIS, MO 63124-1588

Mortgage

Document Number	225362250
Date	May 23, 2017
Book Page	022536/002250
Instrument	521

Lender

Name	MIDWEST BANKCENTRE
Type	Bank
Address	2191 LEMAY FERRY RD, ST LOUIS, MO 63125-2435

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 21 Somerset Downs was $61,446, down 25.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$946,240 (-) Land $292,600 Building $653,640	$4,980,200 (-) Land $1,540,000 Building $3,440,200
2025	$61,446.00 (-25.49%)	$946,240 Land $292,600 Building $653,640	$4,980,200 Land $1,540,000 Building $3,440,200
2024	$82,470.00 (+0.19%)
2023	$82,314.00	$1,221,970 Land $175,560 Building $1,046,410	$6,431,400 Land $924,000 Building $5,507,400

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 21 Somerset Downs in Zone X, an area of minimal flood risk, though there have been 103 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	103 (1979–2024)
Claims Outside the SFHA	27 of 103
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 23 claims Severe Storms & Flooding, Sep 1993 · 18 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

Wildfire risk around 21 Somerset Downs is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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