304 Oak Top Ct, Ballwin, MO 63021 Property Records

St. Louis County property record for 304 Oak Top Ct, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,556 sqft · built 1993
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$467,500 (Nov 2025)
Tax Bill	$5,999 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`24T-63-0101`

Property Details

APN / Parcel Number

Primary APN	`24T-63-0101`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,556 sqft Living Area
Gross Area	3,007 sqft
1st Floor Area	1,211 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Frame/Masonry
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	51 ft deep x 78 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	300 sqft
Porch	Slab
Deck Area	288 sqft
Patio Area	323 sqft
Balcony Area	20 sqft
Poultry House	35 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	304 OAK TOP CT
City	BALLWIN
State	MO
Zip	63021-8334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-3
Legal Description	RIDGES OF OAKWOOD FARMS PLAT TWO (THE) LOT 53
Legal Subdivision	RIDGES OF OAKWOOD FARMS PLAT TWO (THE)
Legal Lot Number	53
Jurisdiction	ST LOUIS MO
Township / Civil Division	MERAMEC
Census Block Group	3
Census Block	3007
Census Tract	217944

Owner

Source: St. Louis County records, as of October 13, 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	304 OAK TOP CT, BALLWIN, MO 63021-8334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage FRONTLINE FINANCIAL INC
Sep 1, 2023	Warranty Deed, Transfer · Conventional Mortgage FRONTIER FINANCIAL INC
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Oct 7, 2020	Quit Claim Deed, Transfer FIRST CMNTY CU
Sep 17, 2019	Quit Claim Deed, Transfer PINNACLE TITLE AGENCY, PINNACLE TITLE AGCY
Feb 24, 2017	Deed of Trust, Mortgage · Line of Credit NEIGHBORS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Sep 1, 2023 · Amount on Record
Deed Document Number	2025318
Prior Transfer Date	Nov 11, 2025
Prior Transfer Doc	0000000318
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	304 OAK TOP CT, BALLWIN, MO 63021-8334
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 OAK TOP CT, BALLWIN, MO 63021-8334

Mortgage

Document Number	2025111800319
Date	Nov 18, 2025
Instrument	2025111800319

Lender

Name	FRONTLINE FINANCIAL INC
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 4, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 1, 2023
Property Address	304 OAK TOP CT, BALLWIN, MO 63021-8334
Document Number	2023090100473
Map Reference	MB 313 PG 17
Instrument Date	Aug 28, 2023
Instrument	2023090100473
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	NOT AVAILABLE, UST

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	304 OAK TOP CT, BALLWIN, MO 63021-8334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 OAK TOP CT, BALLWIN, MO 63021-8334

Mortgage

Document Number	2023090100474
Date	Sep 1, 2023
Instrument	2023090100474

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	304 OAK TOP CT, BALLWIN, MO 63021-8334
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 OAK TOP CT, BALLWIN, MO 63021-8334

Mortgage

Document Number	2022063000073
Date	Jun 30, 2022
Instrument	2022063000073

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 7, 2020
Property Address	304 OAK TOP CT, BALLWIN, MO 63021-8334
Document Number	0243643630
Book / Page	024364 / 003630
Instrument Date	Sep 22, 2020
Instrument	428
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 OAK TOP CT BALLWIN MO 630218334, BALLWIN, MO 63021-8334

Mortgage

Document Number	243643634
Date	Oct 7, 2020
Book Page	024364/003634
Instrument	429

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 17, 2019
Property Address	304 OAK TOP CT, BALLWIN, MO 63021-8334
Document Number	0237000247
Book / Page	023700 / 000247
Instrument Date	Aug 21, 2019
Instrument	37
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	PINNACLE TITLE AGENCY, PINNACLE TITLE AGCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 OAK TOP CT BALLWIN MO 630218334, BALLWIN, MO 63021-8334

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	304 OAK TOP CT, BALLWIN, MO 63021-8334
Document Number	0224382955
Book / Page	022438 / 002955
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Mar 30, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 OAK TOP CT BALLWIN MO 630218334, BALLWIN, MO 63021-8334

Mortgage

Document Number	0224382955
Date	Mar 15, 2017
Book Page	022438/002955
Instrument	479

Lender

Name	NEIGHBORS FCU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 14, 2042

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
Municipality	Ballwin City
County	St. Louis County
Unified School District	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$87,610 (-) Land $27,650 Building $59,960	$461,100 (-) Land $145,500 Building $315,600
2025	$5,999.00 (+5.3%)	$87,610 (+7.46%) Land $27,650 Building $59,960	$461,100 (+7.46%) Land $145,500 Building $315,600
2024	$5,697.00 (+0.09%)
2023	$5,692.00 (+6.55%)	$81,530 (+14.16%) Land $15,350 Building $66,180	$429,100 (+14.15%) Land $80,800 Building $348,300
2022	$5,342.00	$71,420 Land $19,250 Building $52,170
2021			$375,900 Land $101,300 Building $274,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 84% 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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

304 Oak Top Ct, Ballwin, MO 63021 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Oak Top Ct

Nearby Streets

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