2120 Santiago Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 2120 Santiago Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,046 sqft · built 2004
Lot Size	0.4 acres (17,424 sqft)
Owner	Company Name on Record
Tax Bill	$4,038 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-9.0-31.0-3-002-006.60`

Property Details

APN / Parcel Number

Primary APN	`01-9.0-31.0-3-002-006.60`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,046 sqft Living Area
Gross Area	2,690 sqft
1st Floor Area	2,046 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	644 sqft
Porch	Open Frame Porch
Porch Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2120 SANTIAGO DR
City	ARNOLD
State	MO
Zip	63010-6214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	THEODORE RIDGE LOT 51
Legal Range	6E
Legal Township	43N
Legal Section	31
Legal Subdivision	THEODORE RIDGE
Legal Block	1
Legal Lot Number	51
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	1
Census Block	1000
Census Tract	700117

Owner

Source: Jefferson County records, as of August 25, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2120 SANTIAGO DR, ARNOLD, MO 63010-6214
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage ENTERPRISE BANK & TRUST COMPANY
Dec 9, 2022	Deed of Trust, Mortgage · Line of Credit ENTERPRISE BANK & TRUST
Jun 8, 2022	Intrafamily Transfer, Transfer
May 21, 2020	Deed of Trust, Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Recording Date	Sep 4, 2026
Property Address	2120 SANTIAGO DR, ARNOLD, MO 63010-6214
Document Number	0000024637
Instrument Date	Aug 28, 2026
Instrument	202624637
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	REGENCY TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	2120 SANTIAGO DR, ARNOLD, MO 63010-6214

Mortgage

Document Number	0000024637,
Date	Sep 4, 2026
Instrument	202624637

Lender

Name	ENTERPRISE BANK & TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	2120 SANTIAGO DR, ARNOLD, MO 63010-6214
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2120 SANTIAGO DR, ARNOLD, MO 63010-6214

Mortgage

Document Number	0000038839
Date	Dec 9, 2022
Instrument	2022R-038839

Lender

Name	ENTERPRISE BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63127

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	Jun 8, 2022
Property Address	2120 SANTIAGO DR, ARNOLD, MO 63010-6214
Document Number	0000019069
Map Reference	MB 208 PG 5&6
Instrument Date	Jun 2, 2022
Instrument	2022R-019069
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2120 SANTIAGO DR, ARNOLD, MO 63010-6214
Investor	Possibly a Property Investor

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	2120 SANTIAGO DR, ARNOLD, MO 63010-6214
Document Number	0000019108
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	RESOLUTION TITLE AGENCY LLC, RESOLUTION TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2120 SANTIAGO DR ARNOLD MO 630106214, ARNOLD, MO 63010-6214

Mortgage

Document Number	0000019108
Date	Jun 3, 2020
Instrument	19108

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount Recorded
Term	156 Months
Due	Jun 2, 2033

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Arnold City
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,600 (-) Land $7,700 Building $51,900	$313,600 (-) Land $40,700 Building $272,900
2025	$4,038.00 (+3.83%)	$59,600 (+7.19%) Land $7,700 Building $51,900	$313,600 (-) Land $40,700 Building $272,900
2024	$3,889.00 (+0.59%)		$313,600 (+7.14%) Land $40,700 Building $272,900
2023	$3,866.00	$55,600 Land $7,700 Building $47,900	$292,700 Land $40,700 Building $252,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 2, 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 Claims	1 (1982)
Most Recent Claim	Jun 1982 · 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 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	JEFFERSON CO CONS PWSD C 1 serves 37,000 people · EPA ID MO6024295
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Aug 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 431 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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