2120 Cedaroyal Dr, Saint Louis, MO 63131 Property Records

St. Louis County property record for 2120 Cedaroyal Dr, Saint Louis, MO 63131

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,054 sqft · built 1972
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Last Sale	$228,000 (Oct 2017)
Tax Bill	$5,426 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22O-13-0365`

Property Details

APN / Parcel Number

Primary APN	`22O-13-0365`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,054 sqft Living Area
Gross Area	2,474 sqft
1st Floor Area	2,054 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	120 sqft
Patio Area	460 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2120 CEDAROYAL DR
City	SAINT LOUIS
State	MO
Zip	63131-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Description	ROYAL ACRES PLAT 2 LOT 24
Legal Subdivision	ROYAL ACRES PLAT 2
Legal Lot Number	24
Jurisdiction	ST LOUIS MO
Township / Civil Division	MISSOURI RIVER
Census Block Group	1
Census Block	1003
Census Tract	218012

Owner

2120 Cedaroyal Dr is owned and occupied by two individuals who bought it in October 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2120 CEDAROYAL DR, SAINT LOUIS, MO 63131-1906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Oct 18, 2017	Warranty Deed, Transfer AMERICAN MTG
Sep 26, 2017	Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2017 · Amount on File
Deed Sale	Oct 18, 2017 · Amount on File
Prior Sale	Sep 26, 2017 · Amount on File
Deed Document Number	201774
Deed Book / Page	22742 / 192
Prior Transfer Date	Jan 7, 2002
Prior Transfer Doc	0000000402
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	2120 CEDAROYAL DR, SAINT LOUIS, MO 63131-1906
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	FREEDOM TITLE LLC ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240162565
Date	Apr 23, 2020
Book Page	24016/2565
Instrument	2020042300381

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	2120 CEDAROYAL DR, SAINT LOUIS, MO 63131-1906
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	FREEDOM TITLE LLC ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0245823671
Date	Jan 12, 2021
Book Page	24582/3671
Instrument	2021011201287

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 18, 2017
Property Address	2120 CEDAROYAL DR, SAINT LOUIS, MO 63131-1906
Document Number	0227420192
Book / Page	022742 / 000192
Instrument Date	Oct 16, 2017
Instrument	74
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	TITLE PARTNERS AGENCY LLC

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	Husband and Wife
Address	2120 CEDAROYAL DR ST LOUIS MO 631311906, ST LOUIS, MO 63131-1906

Mortgage

Document Number	227420195
Date	Oct 18, 2017
Book Page	022742/000195
Instrument	75

Lender

Name	AMERICAN MTG
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2047

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 26, 2017
Property Address	2120 CEDAROYAL DR, SAINT LOUIS, MO 63131-1906
Document Number	0227102436
Book / Page	022710 / 002436
Instrument Date	Sep 20, 2017
Instrument	701
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12385 FAIROYAL DR DES PERES MO 63131, DES PERES, MO 63131

Tax Assessment & Valuation

The 2025 property tax bill for 2120 Cedaroyal Dr was $5,426, up 19.8% 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		$101,820 (-) Land $47,750 Building $54,070	$535,900 (-) Land $251,300 Building $284,600
2025	$5,426.00 (+19.78%)	$101,820 Land $47,750 Building $54,070	$535,900 Land $251,300 Building $284,600
2024	$4,530.00 (+1.48%)
2023	$4,464.00 (+13.99%)	$80,580 (+24.66%) Land $26,750 Building $53,830	$424,100 Land $140,800 Building $283,300
2022	$3,916.00	$64,640 Land $26,750 Building $37,890
2021			$340,200 Land $140,800 Building $199,400

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 2120 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 2120 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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