3122 5 Oaks Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 3122 5 Oaks Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,044 sqft · built 1993
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$208,257 (Jun 2022)
Tax Bill	$2,100 (2025)
Deeds & Mortgages	Jul 2023 Sale Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-1.0-01.0-2-001-022.12`

Property Details

APN / Parcel Number

Primary APN	`08-1.0-01.0-2-001-022.12`

Interior

Full Baths	2 Baths
Building Area	1,044 sqft Living Area
Gross Area	1,595 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	551 sqft
Porch	Stoop
Porch Area	28 sqft
Patio Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3122 5 OAKS DR
City	ARNOLD
State	MO
Zip	63010-3881
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R07
Legal Description	FIVE OAKS LOT SPLIT LOT 6B
Legal Range	5E
Legal Township	42N
Legal Section	01
Legal Subdivision	FIVE OAKS
Legal Block	1
Legal Lot Number	6B
Jurisdiction	JEFFERSON MO
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1004
Census Tract	700116

Owner

Source: Jefferson County records, as of August 25, 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	3122 5 OAKS DR, ARNOLD, MO 63010-3881
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Beneficiary Deed, Transfer
Jun 9, 2022	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Nov 2, 2018	Warranty Deed, Transfer US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2022 · Amount on Record
Deed Sale	Jun 9, 2022 · Amount on Record
Prior Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	202219227
Prior Transfer Date	Sep 26, 2001
Prior Transfer Doc	1152002100
Record Updated	Oct 29, 2026

July 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jul 24, 2023
Property Address	3122 5 OAKS DR, ARNOLD, MO 63010-3881
Document Number	0000017952
Map Reference	MB 108 PG 9A
Instrument Date	Jul 21, 2023
Instrument	2023R-017952
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9360 HILLSBORO HOUSE SPRINGS RD, HILLSBORO, MO 63050-2442

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jun 9, 2022
Property Address	3122 5 OAKS DR, ARNOLD, MO 63010-3881
Document Number	0000019227
Map Reference	MB 127 PG 19-B
Instrument Date	Jun 2, 2022
Instrument	2022R-019227
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1012 S MAGNOLIA DR, EL DORADO, AR 71730-3268

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3122 S OAKS DRIVE, ARNOLD, MO 63010
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019228
Date	Jun 9, 2022
Instrument	2022R-019228

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Nov 2, 2018
Property Address	3122 5 OAKS DR, ARNOLD, MO 63010-3881
Document Number	0000033690
Instrument Date	Oct 24, 2018
Instrument	33690
Transaction Type	Transfer
Record Updated	Nov 27, 2018
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3122 5 OAKS DR ARNOLD MO 630103881, ARNOLD, MO 63010-3881

Mortgage

Document Number	33691
Date	Nov 2, 2018
Instrument	33691

Lender

Name	US BK
Type	Bank
Address	OWNESBORO, MO 42301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,400 (-) Land $4,800 Building $25,600	$159,800 (-) Land $25,300 Building $134,500
2025	$2,100.00 (+5.74%)	$30,400 (+8.57%) Land $4,800 Building $25,600
2024			$159,800 (+8.56%) Land $25,300 Building $134,500
2023	$1,986.00 (+0.1%)	$28,000 (-) Land $4,800 Building $23,200	$147,200 (-) Land $25,300 Building $121,900
2022	$1,984.00	$28,000 Land $4,800 Building $23,200
2021			$147,200 Land $25,300 Building $121,900

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 October 2, 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	Not rated no burnable land within 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	JEFFERSON CO CONS PWSD C 1 serves 37,000 people · EPA ID MO6024295
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Aug 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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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