3278 5 Oaks Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 3278 5 Oaks Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,040 sqft · built 1993
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Tax Bill	$1,801 (2023)
Deeds & Mortgages	Jun 2021 Mortgage May 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-1.0-01.0-2-001-021.80`

Property Details

APN / Parcel Number

Primary APN	`08-1.0-01.0-2-001-021.80`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Porch
Porch Area	88 sqft
Patio Area	194 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3278 5 OAKS DR
City	ARNOLD
State	MO
Zip	63010-3883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R07
Legal Description	FIVE OAKS LOT 80
Legal Range	05
Legal Township	42
Legal Section	01
Legal Quarter	NW
Legal Subdivision	FIVE OAKS
Legal Block	1
Legal Lot Number	80
Jurisdiction	JEFFERSON MO
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1006
Census Tract	700116

Owner

Source: Jefferson County records, as of November 24, 2025

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
Co-owner	Co-owner on Record
Mailing Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · FHA Mortgage FAMILY FINANCE MORTGAGE LLC
May 1, 2023	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Mar 12, 2021	Intrafamily Transfer, Transfer
Mar 6, 2020	Loan Modification, Mortgage · FHA Mortgage SHELLPOINT MTG SVCNG
Jul 29, 2018	Loan Modification, Mortgage SHELLPOINT MTG SVCNG
Jul 13, 2017	Deed of Trust, Mortgage · Line of Credit HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023
Deed Sale	May 1, 2023
Prior Sale	Mar 12, 2021
Deed Document Number	2023R-010320
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024752
Date	Jun 8, 2021
Instrument	2021R-024752

Lender

Name	FAMILY FINANCE MORTGAGE LLC
Type	Mortgage Company
Address	ARNOLD, MO 63010

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	May 1, 2023
Property Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883
Document Number	0000010320
Map Reference	MB 527 PG 2152
Instrument Date	Apr 26, 2023
Instrument	2023R-010320
Transaction Type	Transfer
Record Updated	May 18, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5929 CREEK SIDE PL, CEDAR HILL, MO 63016-1903

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883

Mortgage

Document Number	0000010321
Date	May 1, 2023
Instrument	2023R-010321

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	Mar 12, 2021
Property Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883
Document Number	2021R011011
Map Reference	MB 94 PG 06
Instrument Date	Jan 6, 2021
Instrument	2021R-011011
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JEFFERSON MO
Property Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883
Document Number	0000022630
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN NDTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 5 OAKS DR ARNOLD MO 630103883, ARNOLD, MO 63010-3883

Mortgage

Document Number	0000022630
Date	Jun 29, 2020
Instrument	22630

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

Interest

Rate	3.87%

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JEFFERSON MO
Property Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883
Document Number	0000024421
Instrument Date	Jul 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 5 OAKS DR ARNOLD MO 630103883, ARNOLD, MO 63010-3883

Mortgage

Document Number	0000024421
Date	Aug 13, 2018
Instrument	24421

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2048

Interest

Rate	4.37%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3278 5 OAKS DR, ARNOLD, MO 63010-3883
Document Number	0000020216
Instrument Date	Jul 13, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 5 OAKS DR ARNOLD MO 630103883, ARNOLD, MO 63010-3883

Mortgage

Document Number	0000020216
Date	Jul 6, 2018
Instrument	20216

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of May 31, 2025

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
2025		$27,500 (+8.27%) Land $4,800 Building $22,700
2024			$144,600 (+8.31%) Land $25,300 Building $119,300
2023	$1,801.00	$25,400 Land $4,800 Building $20,600	$133,500 Land $25,300 Building $108,200

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 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	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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