St. Louis County property record for 23 Arbor Rd, Saint Louis, MO 63132
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,459 sqft · built 2004 |
| Lot Size | 0.549 acres (23,897 sqft) |
| Owner | Individual Name on File |
| Last Sale | $822,304 (Jan 2005) |
| Tax Bill | $15,089 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17L-11-0410 |
| Primary APN | 17L-11-0410 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,459 sqft Living Area |
| Gross Area | 5,468 sqft |
| 1st Floor Area | 985 sqft |
| Basement Area | 1,489 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Contemporary |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 23,897 sqft (0.549 acres) |
| Lot Dimensions | 74 ft deep x 137 ft wide |
| Terrain | Above Road/Slope |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Open Frame Porch |
| Porch Area | 180 sqft |
| Patio Area | 100 sqft |
| Boat House | 234 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 23 ARBOR RD |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63132-4202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 42SR |
| Legal Description | ARBOR HILL LOT 3 |
| Legal Subdivision | ARBOR HILL |
| Legal Lot Number | 3 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | CREVE COEUR |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 215500 |
23 Arbor Rd is owned and occupied by an individual who acquired it in March 2012.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23 ARBOR RD, SAINT LOUIS, MO 63132-4202 |
| 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.
| Date | Document |
|---|---|
| Feb 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK |
| Feb 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK |
| Aug 10, 2018 | Deed of Trust, Mortgage CARROLLTON BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2005 · Amount on File |
| Deed Sale | Jan 24, 2005 · Amount on File |
| Prior Sale | Dec 15, 2003 · Amount on File |
| Deed Document Number | 2005564 |
| Deed Book / Page | 16327 / 2068 |
| Last Transfer Date | Mar 19, 2012 |
| Transfer Doc | 0199432191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 23 ARBOR RD, SAINT LOUIS, MO 63132-4202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0239104129 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | 23910/4129 |
| Instrument | 2020020400623 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 23 ARBOR RD, SAINT LOUIS, MO 63132-4202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0239104144 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | 23910/4144 |
| Instrument | 2020020400624 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Feb 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Margin | 4 |
| Max Rate | 9.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 23 ARBOR RD, SAINT LOUIS, MO 63132-4202 |
| Document Number | 0231503217 |
| Instrument Date | Aug 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 23 ARBOR RD ST LOUIS MO 631324202, ST LOUIS, MO 63132-4202 |
| Document Number | 0231503217 |
|---|---|
| Date | Aug 13, 2018 |
| Book Page | 023150/003217 |
| Instrument | 679 |
| Name | CARROLLTON BK |
|---|---|
| Type | Bank |
| Address | CLAYTON, MO 63105 |
| Amount | Amount on Record |
|---|---|
| Term | 300 Months |
| Due | Aug 12, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
The 2025 property tax bill for 23 Arbor Rd was $15,089, up 25.3% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | Olivette City |
| Unified School District | Ladue School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $221,960 (-) Land $83,620 Building $138,340 | $1,168,200 (-) Land $440,100 Building $728,100 | |
| 2025 | $15,089.00 (+25.27%) | $221,960 Land $83,620 Building $138,340 | $1,168,200 Land $440,100 Building $728,100 |
| 2024 | $12,045.00 (-1.13%) | ||
| 2023 | $12,183.00 (-2.98%) | $171,690 (+0.01%) Land $58,730 Building $112,960 | $903,600 Land $309,100 Building $594,500 |
| 2022 | $12,557.00 | $171,680 Land $48,030 Building $123,650 | |
| 2021 | $903,600 Land $252,800 Building $650,800 |
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.
FEMA maps place 23 Arbor Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1994.
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 | 6 (1994–2022) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 23 Arbor Rd 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 97% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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