3 Somerset Downs, Saint Louis, MO 63124 Property Records

St. Louis County property record for 3 Somerset Downs, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 10,115 sqft · built 1956
Lot Size	3 acres (130,680 sqft)
Owner	Company Name on Record
Tax Bill	$30,202 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20M-22-0042`

Property Details

APN / Parcel Number

Primary APN	`20M-22-0042`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	23 Plumbing Fixtures
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	10,115 sqft Living Area
Gross Area	11,163 sqft
1st Floor Area	1,090 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2002
Architectural Style	Contemporary
Exterior Material	Stone
Foundation Type	Raised
Lot Area	130,680 sqft
Lot Dimensions	550 ft deep x 335 ft wide
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	432 sqft
Porch	Stoop
Deck Area	120 sqft
Patio Area	288 sqft
Balcony Area	34 sqft
Poultry House	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 SOMERSET DOWNS
City	SAINT LOUIS
State	MO
Zip	63124-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33A
Legal Description	SOMERSET DOWNS LOT 3
Legal Subdivision	SOMERSET DOWNS
Legal Lot Number	3
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	3 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1000
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Nov 8, 2018	Deed of Trust, Mortgage · Line of Credit COMMERCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 23, 2012
Transfer Doc	0202372169
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	3 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1000
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1000

Mortgage

Document Number	0246220334
Date	Jan 29, 2021
Book Page	24622/334
Instrument	2021012900042

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 12, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	3 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1000
Document Number	0232822716
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3 SOMERSET DOWNS ST LOUIS MO 631241007, ST LOUIS, MO 63124-1007

Mortgage

Document Number	0232822716
Date	Nov 15, 2018
Book Page	023282/002716
Instrument	425

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Nov 14, 2020

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		$594,420 (-) Land $285,000 Building $309,420	$3,128,500 (-) Land $1,500,000 Building $1,628,500
2025	$30,202.00 (-0.52%)	$594,420 (+35.64%) Land $285,000 Building $309,420	$3,128,500 (+35.64%) Land $1,500,000 Building $1,628,500
2024	$30,359.00 (+2.84%)
2023	$29,520.00	$438,240 Land $171,000 Building $267,240	$2,306,500 Land $900,000 Building $1,406,500

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
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 97% of the US · lower than 95% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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