255 Ridge Trail Dr, Chesterfield, MO 63017 Property Records

St. Louis County property record for 255 Ridge Trail Dr, Chesterfield, MO 63017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,920 sqft · built 1964
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,000 (Jul 2022)
Tax Bill	$4,872 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16Q-61-0530`

Property Details

APN / Parcel Number

Primary APN	`16Q-61-0530`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,360 sqft
1st Floor Area	1,920 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Frame/Masonry
Construction Type	Frame
Foundation Type	Raised
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Terrain	Below Road/Slope
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	556 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	255 RIDGE TRAIL DR
City	CHESTERFIELD
State	MO
Zip	63017-3063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	105R2
Legal Description	RIVER BEND ESTATES FOURTH ADDITION LOT 255
Legal Subdivision	RIVER BEND ESTATES FOURTH ADDITION
Legal Lot Number	255
Jurisdiction	ST LOUIS MO
Township / Civil Division	MARYLAND HEIGHTS
Census Block Group	2
Census Block	2011
Census Tract	215105

Owner

Source: St. Louis County records, as of October 8, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 1, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 12, 2022	Warranty Deed, Transfer · FHA Mortgage ENDEAVOR CAPITAL LLC
Oct 9, 2017	Deed of Trust, Mortgage · FHA Mortgage ENDEAVOR CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Prior Sale	Jul 10, 2001 · Amount on Record
Deed Document Number	2022712663
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Recording Date	Sep 8, 2026
Property Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063
Document Number	0000000034
Instrument Date	Aug 31, 2026
Instrument	202634
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063

Mortgage

Document Number	0000000034,
Date	Sep 8, 2026
Instrument	202634

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2056

Interest

Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063

Mortgage

Document Number	0251944771
Date	Nov 1, 2021
Book Page	25194/4771
Instrument	2021110100728

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jul 12, 2022
Property Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063
Document Number	2022071200663
Map Reference	MB 109 PG 5
Instrument Date	Jun 30, 2022
Instrument	2022071200663
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063

Mortgage

Document Number	2022071200664
Date	Jul 12, 2022
Instrument	2022071200664

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	255 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3063
Document Number	0227362736
Book / Page	022736 / 002736
Instrument Date	Oct 9, 2017
Transaction Type	Mortgage
Record Updated	Oct 18, 2017
Title Company	CHESTERFIELD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	255 RIDGE TRAIL DR CHESTERFIELD MO 630173063, CHESTERFIELD, MO 63017-3063

Mortgage

Document Number	0227362736
Date	Oct 13, 2017
Book Page	022736/002736
Instrument	507

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Chesterfield City
County	St. Louis County
Unified School District	Parkway C-2 School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,880 (-) Land $44,080 Building $33,800	$409,900 (-) Land $232,000 Building $177,900
2025	$4,872.00 (+10.65%)	$77,880 (+17.11%) Land $44,080 Building $33,800	$409,900 (+17.11%) Land $232,000 Building $177,900
2024	$4,403.00 (+4.26%)
2023	$4,223.00 (+10.15%)	$66,500 (+20.23%) Land $27,440 Building $39,060	$350,000 (+20.23%) Land $144,400 Building $205,600
2022	$3,834.00	$55,310 Land $23,520 Building $31,790
2021			$291,100 Land $123,800 Building $167,300

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

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	2 in force

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 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% 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 246 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	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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