305 Ridge Trail Dr, Chesterfield, MO 63017 Property Records

St. Louis County property record for 305 Ridge Trail Dr, Chesterfield, MO 63017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,864 sqft · built 1964
Lot Size	0.315 acres (13,721 sqft)
Owner	Individual Name on Record
Last Sale	$238,500 (Feb 2020)
Tax Bill	$4,269 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16Q-61-0387`

Property Details

APN / Parcel Number

Primary APN	`16Q-61-0387`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,864 sqft Living Area
Gross Area	2,436 sqft
1st Floor Area	1,864 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,721 sqft (0.315 acres)
Lot Dimensions	140 ft deep x 158 ft wide
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	305 RIDGE TRAIL DR
City	CHESTERFIELD
State	MO
Zip	63017-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	105R2
Legal Description	RIVER BEND ESTATES FOURTH ADDITION LOT 305
Legal Subdivision	RIVER BEND ESTATES FOURTH ADDITION
Legal Lot Number	305
Jurisdiction	ST LOUIS MO
Township / Civil Division	MARYLAND HEIGHTS
Census Block Group	2
Census Block	2018
Census Tract	215105

Owner

Source: St. Louis County records, as of September 29, 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	305 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 21, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Feb 14, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2020 · Amount on Record
Deed Sale	Feb 21, 2020 · Amount on Record
Prior Sale	Jun 26, 2002 · Amount on Record
Deed Document Number	2020349
Deed Book / Page	23934 / 2015
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	305 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3029
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	INTEGRITY TITLE SOLUTIONS LLC, INTEGRITY TITLE SLN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0246761859
Date	Feb 25, 2021
Book Page	24676/1859
Instrument	2021022500592

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Feb 21, 2020
Property Address	305 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3029
Document Number	0239342015
Book / Page	23934 / 2015
Map Reference	MB 109 PG 5
Instrument Date	Feb 14, 2020
Instrument	2020022100349
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	US TITLE MEHLVILLE

Transaction

Amount	Amount Recorded
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	305 RIDGE TRAIL DR, 305, CHESTERFIELD, MO 63017-3029

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3029

Mortgage

Document Number	2020022100350
Date	Feb 21, 2020
Instrument	2020022100350

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	305 RIDGE TRAIL DR, CHESTERFIELD, MO 63017-3029
Document Number	0224171141
Instrument Date	Feb 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 RIDGE TRAIL DR CHESTERFIELD MO 630173029, CHESTERFIELD, MO 63017-3029

Mortgage

Document Number	0224171141
Date	Feb 28, 2017
Book Page	022417/001141
Instrument	786

Lender

Name	PNC BK
Type	Bank
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 27, 2057

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	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		$68,190 (-) Land $43,510 Building $24,680	$358,900 (-) Land $229,000 Building $129,900
2025	$4,269.00 (+6.94%)	$68,190 (+13.16%) Land $43,510 Building $24,680	$358,900 (+13.15%) Land $229,000 Building $129,900
2024	$3,992.00 (+4.23%)
2023	$3,830.00 (+11.14%)	$60,260 (+21.22%) Land $27,090 Building $33,170	$317,200 (+21.25%) Land $142,600 Building $174,600
2022	$3,446.00	$49,710 Land $23,220 Building $26,490
2021			$261,600 Land $122,200 Building $139,400

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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