22 Gandy Dr, Saint Louis, MO 63146 Property Records

St. Louis County property record for 22 Gandy Dr, Saint Louis, MO 63146

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 1959
Lot Size	0.232 acres (10,123 sqft)
Owner	Individual Name on File
Last Sale	$162,500 (May 2021)
Tax Bill	$3,058 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16N-63-0047`

Property Details

APN / Parcel Number

Primary APN	`16N-63-0047`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,421 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,123 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	441 sqft
Carport	Carport
Carport Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	36 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 GANDY DR
City	SAINT LOUIS
State	MO
Zip	63146-4937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	GRAELER PARK PLAT 3 LOT 102
Legal Subdivision	GRAELER PARK PLAT 3
Legal Lot Number	102
Jurisdiction	ST LOUIS MO
Township / Civil Division	CREVE COEUR
Census Block Group	1
Census Block	1002
Census Tract	215004

Owner

22 Gandy Dr is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	22 GANDY DR, SAINT LOUIS, MO 63146-4937
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 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTED FINANCIAL SERVICES INC
Mar 20, 2024	Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK
May 12, 2021	Beneficiary Deed, Transfer ELITE TITLE COMPANY INC, ELITE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2021 · Amount on File
Deed Sale	May 12, 2021 · Amount on File
Prior Sale	Feb 19, 2009 · Amount on File
Deed Document Number	2021732
Deed Book / Page	24858 / 4492
Prior Transfer Date	Apr 29, 2021
Prior Transfer Doc	0248584492
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	22 GANDY DR, SAINT LOUIS, MO 63146-4937
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	ELITE TITLE COMPANY INC, ELITE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 GANDY DR, SAINT LOUIS, MO 63146-4937

Mortgage

Document Number	0248584474
Date	May 12, 2021
Book Page	24858/4474
Instrument	2021051200731

Lender

Name	TRUSTED FINANCIAL SERVICES INC
Type	Lending Institution
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	22 GANDY DR, SAINT LOUIS, MO 63146-4937
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 GANDY DR, SAINT LOUIS, MO 63146-4937

Mortgage

Document Number	2024032000374
Date	Mar 20, 2024
Instrument	2024032000374

Lender

Name	CARROLLTON BANK
Type	Bank
Address	CARROLLTON, IL 62016

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 25, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST LOUIS MO
Recording Date	May 12, 2021
Property Address	22 GANDY DR, SAINT LOUIS, MO 63146-4937
Document Number	0248584492
Book / Page	24858 / 4492
Map Reference	MB 86 PG 17
Instrument Date	Apr 29, 2021
Instrument	2021051200732
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ELITE TITLE COMPANY INC, ELITE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 GANDY DR, SAINT LOUIS, MO 63146-4937

Tax Assessment & Valuation

The 2025 property tax bill for 22 Gandy Dr was $3,058, up 0.1% 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
Unified School District	Pattonville R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,850 (-) Land $14,020 Building $34,830	$257,100 (-) Land $73,800 Building $183,300
2025	$3,058.00 (+0.07%)	$48,850 Land $14,020 Building $34,830	$257,100 Land $73,800 Building $183,300
2024	$3,056.00 (-0.39%)
2023	$3,068.00 (+16.7%)	$43,530 (+26.98%) Land $8,760 Building $34,770	$229,100 Land $46,100 Building $183,000
2022	$2,629.00	$34,280 Land $10,510 Building $23,770
2021			$180,400 Land $55,300 Building $125,100

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 22 Gandy Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	8 (1978–2022)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jan 2022 · other causes

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 22 Gandy 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 98% of the US · lower than 96% 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	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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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