326 Central Pl, Saint Louis, MO 63122 Property Records

St. Louis County property record for 326 Central Pl, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,800 sqft · built 1919
Lot Size	0.217 acres (9,448 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Jul 2004)
Tax Bill	$5,439 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23M-41-0211`

Property Details

APN / Parcel Number

Primary APN	`23M-41-0211`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
Gross Area	1,920 sqft
1st Floor Area	960 sqft
Basement Area	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Cape Cod
Exterior Material	Stucco
Foundation Type	Raised
Lot Area	9,448 sqft (0.217 acres)
Lot Dimensions	63 ft deep x 63 ft wide
View / Lot	Cul-De-Sac
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	257 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	326 CENTRAL PL
City	SAINT LOUIS
State	MO
Zip	63122-3927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R4
Legal Description	MAPLE PARK LOT PT 10 W 63.25 FT OF E 73.25 FT
Legal Subdivision	MAPLE PARK
Legal Lot Number	10
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	3
Census Block	3005
Census Tract	218402

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	2 Individual Names on Record
Mailing Address	326 CENTRAL PL, SAINT LOUIS, MO 63122-3927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC
Oct 14, 2017	Deed of Trust, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2004 · Amount on Record
Deed Sale	Jul 8, 2004 · Amount on Record
Deed Document Number	2004676
Deed Book / Page	15959 / 2882
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Recording Date	Jul 7, 2026
Property Address	326 CENTRAL PL, SAINT LOUIS, MO 63122-3927
Document Number	0000000439
Instrument Date	Jun 23, 2026
Instrument	2026439
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 CENTRAL PL, SAINT LOUIS, MO 63122-3927

Mortgage

Document Number	0000000439,
Date	Jul 7, 2026
Instrument	2026439

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate	5.87%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	326 CENTRAL PL, SAINT LOUIS, MO 63122-3927
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	TITLE SOURCES INC, TITLE RESOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 CENTRAL PL, SAINT LOUIS, MO 63122-3927

Mortgage

Document Number	0246244818
Date	Feb 1, 2021
Book Page	24624/4818
Instrument	2021020100611

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	326 CENTRAL PL, SAINT LOUIS, MO 63122-3927
Document Number	0227461071
Instrument Date	Oct 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	326 CENTRAL PL ST LOUIS MO 631223927, ST LOUIS, MO 63122-3927

Mortgage

Document Number	0227461071
Date	Oct 20, 2017
Book Page	022746/001071
Instrument	279

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2047

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Kirkwood City
Unified School District	Kirkwood R-VII School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,480 (-) Land $84,910 Building $11,570	$507,800 (-) Land $446,900 Building $60,900
2025	$5,439.00 (+15.72%)	$96,480 (+28.81%) Land $84,910 Building $11,570	$507,800 (+28.82%) Land $446,900 Building $60,900
2024	$4,700.00 (+1.6%)
2023	$4,626.00 (-7.48%)	$74,900 (+6.65%) Land $67,930 Building $6,970	$394,200 (+6.66%) Land $357,500 Building $36,700
2022	$5,000.00	$70,230 Land $58,920 Building $11,310
2021			$369,600 Land $310,100 Building $59,500

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 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 98% of the US · lower than 96% 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	KIRKWOOD PWS serves 28,000 people · EPA ID MO6010430
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Mar 2026
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 400 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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