2109 Cedaroyal Dr, Saint Louis, MO 63131 Property Records

St. Louis County property record for 2109 Cedaroyal Dr, Saint Louis, MO 63131

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,583 sqft · built 1974
Lot Size	0.285 acres (12,432 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Oct 2018)
Tax Bill	$4,883 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22O-13-0521`

Property Details

APN / Parcel Number

Primary APN	`22O-13-0521`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,583 sqft Living Area
Gross Area	3,129 sqft
1st Floor Area	1,218 sqft
Basement Area	147 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Colonial
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,432 sqft (0.285 acres)
Lot Dimensions	114 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	236 sqft
Deck Area	96 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2109 CEDAROYAL DR
City	SAINT LOUIS
State	MO
Zip	63131-1907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	17D
Legal Description	ROYAL ACRES PLAT 2 LOT 44
Legal Subdivision	ROYAL ACRES PLAT 2
Legal Lot Number	44
Jurisdiction	ST LOUIS MO
Township / Civil Division	MISSOURI RIVER
Census Block Group	1
Census Block	1004
Census Tract	218012

Owner

2109 Cedaroyal Dr is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2109 CEDAROYAL DR, SAINT LOUIS, MO 63131-1907
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
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Oct 4, 2018	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on File
Deed Sale	Oct 4, 2018 · Amount on File
Prior Sale	Jun 17, 2010 · Amount on File
Deed Document Number	2018431
Deed Book / Page	23224 / 2247
Prior Transfer Date	Jan 6, 2010
Prior Transfer Doc	0187541840
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	2109 CEDAROYAL DR, SAINT LOUIS, MO 63131-1907
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	TRUE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 CEDAROYAL DR, DES PERES, MO 63131-1907

Mortgage

Document Number	0241322175
Date	Jul 15, 2020
Book Page	24132/2175
Instrument	2020071500333

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 4, 2018
Property Address	2109 CEDAROYAL DR, SAINT LOUIS, MO 63131-1907
Document Number	0232242247
Book / Page	023224 / 002247
Instrument Date	Oct 1, 2018
Instrument	431
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount on Record
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	Married Couple
Address	2109 CEDAROVAL DR ST LOUIS MO 63131, ST LOUIS, MO 63131

Mortgage

Document Number	232242250
Date	Oct 4, 2018
Book Page	023224/002250
Instrument	432

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	CHESTERFIELD, MI 63017

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2109 Cedaroyal Dr was $4,883, up 7.9% 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	Des Peres City
Unified School District	Parkway C-2 School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,590 (-) Land $45,320 Building $46,270	$482,000 (-) Land $238,500 Building $243,500
2025	$4,883.00 (+7.89%)	$91,590 Land $45,320 Building $46,270	$482,000 Land $238,500 Building $243,500
2024	$4,526.00 (+1.46%)
2023	$4,461.00 (+3.34%)	$80,520 (+12.98%) Land $25,380 Building $55,140	$423,800 Land $133,600 Building $290,200
2022	$4,317.00	$71,270 Land $25,380 Building $45,890
2021			$375,100 Land $133,600 Building $241,500

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 2109 Cedaroyal Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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 (1978)
Most Recent Claim	Jul 1978 · tidal / storm surge

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 2109 Cedaroyal 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	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 189 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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