265 Ridge Trail Dr, Chesterfield, MO 63017 Property Records

St. Louis County property record for 265 Ridge Trail Dr, Chesterfield, MO 63017

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,392 sqft · built 1964
Lot Size	0.441 acres (19,240 sqft)
Owner	Individual Name on Record
Tax Bill	$4,289 (2024)
Deeds & Mortgages	Nov 2022 Second Mortgage Oct 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16Q-6-1-036-5`

Property Details

APN / Parcel Number

Primary APN	`16Q-6-1-036-5`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,392 sqft Living Area
1st Floor Area	1,211 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	19,240 sqft (0.441 acres)
Lot Dimensions	159 ft deep x 94 ft wide
Terrain	Above Road/Slope
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	825 sqft
Balcony	Balcony
Balcony Area	21 sqft
Utility Building	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	265 RIDGE TRAIL DR
City	CHESTERFIELD
State	MO
Zip	63017-3030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	105R2
Legal Description	RIVER BEND ESTATES FOURTH ADDITION
Legal Subdivision	RIVER BEND ESTATES FOURTH ADDITION
Legal Lot Number	265
Jurisdiction	ST LOUIS MO
Township / Civil Division	MARYLAND HEIGHTS
Census Block Group	2
Census Block	2019
Census Tract	215105

Owner

Source: St. Louis County records, as of February 5, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GATEWAY METRO FCU
Oct 17, 2025	Beneficiary Deed, Transfer
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY METRO FCU
Dec 8, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CMNTY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 17, 2025
Transfer Doc	2025101700456
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030

Mortgage

Document Number	2022110100081
Date	Nov 1, 2022
Instrument	2022110100081

Lender

Name	GATEWAY METRO FCU
Type	Credit Union
Address	SAINT LOUIS, MO 63101

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 1, 2037

October 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 17, 2025
Property Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030
Document Number	2025101700456
Map Reference	MB 109 PG 5
Instrument Date	Oct 13, 2025
Instrument	2025101700456
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030

Mortgage

Document Number	0244641646
Date	Nov 24, 2020
Book Page	24464/1646
Instrument	2020112400540

Lender

Name	GATEWAY METRO FCU
Type	Credit Union
Address	SAINT LOUIS, MO 63101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	265 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3030
Document Number	0228262919
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	TOUCHSTONE TITLE AND ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 RIDGE TRAIL DR CHESTERFIELD MO 630173030, CHESTERFIELD, MO 63017-3030

Mortgage

Document Number	0228262919
Date	Dec 20, 2017
Book Page	022826/002919
Instrument	648

Lender

Name	FIRST CMNTY FCU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 19, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of May 31, 2025

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
2025		$70,890 (+9.45%) Land $45,960 Building $24,930	$373,100 (+9.45%) Land $241,900 Building $131,200
2024	$4,289.00 (+4.25%)	$64,770 (-) Land $28,610 Building $36,160
2023	$4,114.00 (+10.35%)	$64,770 (+20.41%) Land $28,610 Building $36,160	$340,900 (+20.42%) Land $150,600 Building $190,300
2022	$3,728.00	$53,790 Land $24,510 Building $29,280
2021			$283,100 Land $129,000 Building $154,100

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 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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