3170 5 Oaks Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 3170 5 Oaks Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,014 sqft · built 1994
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,149 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-1.0-01.0-2-001-021.99`

Property Details

APN / Parcel Number

Primary APN	`08-1.0-01.0-2-001-021.99`

Interior

Full Baths	2 Baths
Building Area	1,014 sqft Living Area
Gross Area	1,534 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Level
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	520 sqft
Porch	Stoop
Porch Area	37 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3170 5 OAKS DR
City	ARNOLD
State	MO
Zip	63010-3882
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R07
Legal Description	FIVE OAKS LOT 99
Legal Range	5E
Legal Township	42N
Legal Section	01
Legal Subdivision	FIVE OAKS
Legal Block	1
Legal Lot Number	99
Jurisdiction	JEFFERSON MO
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1006
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	2 Individual Names on Record
Mailing Address	3170 5 OAKS DR, ARNOLD, MO 63010-3882
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOGETHER CU
Oct 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage ANHEUSER BUSCH EMPLOYEES CU
Jun 18, 2020	Deed of Trust, Mortgage TOGETHER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3170 5 OAKS DR, ARNOLD, MO 63010-3882
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 5 OAKS DR, ARNOLD, MO 63010-3882

Mortgage

Document Number	0000015847
Date	May 11, 2022
Instrument	2022R-015847

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 11, 2023

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3170 5 OAKS DR, ARNOLD, MO 63010-3882
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032283
Date	Oct 22, 2018
Instrument	2018R-032283

Lender

Name	ANHEUSER BUSCH EMPLOYEES CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3170 5 OAKS DR, ARNOLD, MO 63010-3882
Document Number	0000022978
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3170 5 OAKS DR ARNOLD MO 630103882, ARNOLD, MO 63010-3882

Mortgage

Document Number	0000022978
Date	Jun 30, 2020
Instrument	22978

Lender

Name	TOGETHER CU
Address	SAINT LOUIS, MO 63118

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

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		$31,100 (-) Land $4,800 Building $26,300	$163,600 (-) Land $25,300 Building $138,300
2025	$2,149.00 (+5.91%)	$31,100 (+8.74%) Land $4,800 Building $26,300
2024			$163,600 (+8.63%) Land $25,300 Building $138,300
2023	$2,029.00	$28,600 Land $4,800 Building $23,800	$150,600 Land $25,300 Building $125,300

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	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	Under 0.01% 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	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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	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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