3132 Waycross Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 3132 Waycross Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,006 sqft · built 1987
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$83,600 (Sep 2016)
Tax Bill	$1,497 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-8.0-33.0-3-001-020.01`

Property Details

APN / Parcel Number

Primary APN	`01-8.0-33.0-3-001-020.01`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,006 sqft Living Area
Gross Area	1,510 sqft
1st Floor Area	1,006 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	113 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	504 sqft
Porch	Stoop
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3132 WAYCROSS DR
City	ARNOLD
State	MO
Zip	63010-3129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	BAYSHORE NORTH LOT 2
Legal Range	6E
Legal Township	43N
Legal Section	33
Legal Subdivision	BAYSHORE NORTH
Legal Block	1
Legal Lot Number	2
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	1
Census Block	1009
Census Tract	700111

Owner

Source: Jefferson County records, as of August 25, 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	2 Individual Names on Record
Mailing Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Aug 29, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Feb 1, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 6, 2019	Loan Modification, Mortgage MIDFIRST BK
Feb 7, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2016 · Amount on Record
Deed Sale	Sep 27, 2016 · Amount on Record
Prior Sale	Jun 22, 2016
Deed Document Number	201630564
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129

Mortgage

Document Number	0000026856
Date	Oct 17, 2025
Instrument	2025R-026856

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2065

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129

Mortgage

Document Number	0000021296
Date	Aug 29, 2023
Instrument	2023R-021296

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	May 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129

Mortgage

Document Number	0000003719
Date	Feb 1, 2022
Instrument	2022R-003719

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JEFFERSON MO
Property Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129
Document Number	0000020906
Instrument Date	Jun 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3132 WAYCROSS DR ARNOLD MO 630103129, ARNOLD, MO 63010-3129

Mortgage

Document Number	0000020906
Date	Jul 19, 2019
Instrument	20906

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Feb 7, 2019
Property Address	3132 WAYCROSS DR, ARNOLD, MO 63010-3129
Document Number	0000003591
Instrument Date	Feb 7, 2019
Instrument	3591
Transaction Type	Transfer
Record Updated	Mar 1, 2019

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3132 WAYCROSS DR ARNOLD MO 630103129, ARNOLD, MO 63010-3129

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Arnold City
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		$22,100 (-) Land $2,900 Building $19,200	$116,200 (-) Land $15,000 Building $101,200
2025	$1,497.00 (+4.91%)	$22,100 (+8.33%) Land $2,900 Building $19,200	$116,200 (-) Land $15,000 Building $101,200
2024	$1,427.00 (+0.63%)		$116,200 (+8.29%) Land $15,000 Building $101,200
2023	$1,418.00	$20,400 Land $2,900 Building $17,500	$107,300 Land $15,000 Building $92,300

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 October 2, 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
Flood Insurance Cost	Premium on Record median of 62 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	62 in force
Nearby Flood Claims	676 (1978–2025)
Claims Outside the SFHA	59 of 676
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 35 claims Severe Storms, Tornadoes, Flooding, May 1994 · 23 claims Severe Storms & Flooding, Sep 1993 · 129 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 80% of the US · lower than 84% 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	JEFFERSON COUNTY PWSD 1 serves 21,113 people · EPA ID MO6024292
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Oct 2023
Lead	7 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Wisper ISP.

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