28 Somerset Downs, Saint Louis, MO 63124 Property Records

St. Louis County property record for 28 Somerset Downs, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 8,003 sqft · built 2017
Lot Size	3 acres (130,680 sqft)
Owner	Company Name on Record
Last Sale	$5,000,000 (Oct 2021)
Tax Bill	$61,627 (2025)
Deeds & Mortgages	Oct 2021 Sale Mar 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20M-21-0050`

Property Details

APN / Parcel Number

Primary APN	`20M-21-0050`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	44 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	8,003 sqft Living Area
Gross Area	13,411 sqft
1st Floor Area	1,504 sqft
Basement Area	3,303 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Stucco
Foundation Type	Raised
Lot Area	130,680 sqft
Lot Dimensions	290 ft deep x 204 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	2,105 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	100 sqft
Porch	Open Frame Porch
Porch Area	572 sqft
Patio Area	617 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	28 SOMERSET DOWNS
City	SAINT LOUIS
State	MO
Zip	63124-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33A
Legal Description	SOMERSET DOWNS PLAT 2 LOT C
Legal Subdivision	SOMERSET DOWNS PLAT 2
Legal Lot Number	C
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	3
Census Block	3005
Census Tract	217500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	28 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Warranty Deed, Transfer US TITLE TOWN & COUNTRY
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit TRIAD BANK
Jan 11, 2019	Deed of Trust, Mortgage · Line of Credit SIMMONS BK
Mar 27, 2018	Deed of Trust, Mortgage · Line of Credit RELIANCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2021 · Amount on Record
Deed Sale	Oct 7, 2021 · Amount on Record
Prior Sale	Sep 4, 2013 · Amount on Record
Deed Document Number	2021113
Deed Book / Page	25152 / 4466
Prior Transfer Date	Jan 4, 2005
Prior Transfer Doc	0163152896
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 7, 2021
Property Address	28 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007
Document Number	0251524466
Book / Page	25152 / 4466
Map Reference	MB 99 PG 4
Instrument Date	Sep 28, 2021
Instrument	2021100700113
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	US TITLE TOWN & COUNTRY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 SOMERSET DOWNS, 28, SAINT LOUIS, MO 63124-1007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	28 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	28 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0239723803
Date	Mar 19, 2020
Book Page	23972/3803
Instrument	2020031900655

Lender

Name	TRIAD BANK
Type	Bank
Address	SAINT LOUIS, MO 63131

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	28 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007
Document Number	0234002918
Instrument Date	Jan 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019
Title Company	RESOLUTIONS TITLE INC, RESOLUTIONS TITLE INC-RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SOMERSET DOWNS ST LOUIS MO 631241007, ST LOUIS, MO 63124-1007

Mortgage

Document Number	0234002918
Date	Feb 14, 2019
Book Page	023400/002918
Instrument	675

Lender

Name	SIMMONS BK
Address	SAINT LOUIS, MO 63117

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	28 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1007
Document Number	0229583008
Instrument Date	Mar 27, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SOMERSET DOWNS ST LOUIS MO 631241007, ST LOUIS, MO 63124-1007

Mortgage

Document Number	0229583008
Date	Mar 28, 2018
Book Page	022958/003008
Instrument	694

Lender

Name	RELIANCE BK
Type	Bank
Address	FRONTENAC, MO 63131

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Ladue City
Unified School District	Ladue School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$949,030 (-) Land $285,000 Building $664,030	$4,994,900 (-) Land $1,500,000 Building $3,494,900
2025	$61,627.00 (+18%)	$949,030 (+38.91%) Land $285,000 Building $664,030	$4,994,900 (+38.91%) Land $1,500,000 Building $3,494,900
2024	$52,227.00 (+13.48%)
2023	$46,023.00	$683,220 Land $171,000 Building $512,220	$3,595,900 Land $900,000 Building $2,695,900

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	103 (1979–2024)
Claims Outside the SFHA	27 of 103
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 23 claims Severe Storms & Flooding, Sep 1993 · 18 claims

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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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