34 Somerset Downs, Saint Louis, MO 63124 Property Records

St. Louis County property record for 34 Somerset Downs, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,969 sqft · built 1966
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,818,000 (Sep 2026)
Tax Bill	$14,227 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`21M-54-0031`

Property Details

APN / Parcel Number

Primary APN	`21M-54-0031`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	24 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,969 sqft Living Area
Gross Area	5,860 sqft
1st Floor Area	1,700 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Brick
Foundation Type	Raised
Lot Area	130,680 sqft
Lot Dimensions	405 ft deep x 240 ft wide
Garage Type	Attached
Garage Area	891 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	574 sqft
Porch	Open Frame Porch
Porch Area	471 sqft
Patio Area	464 sqft
Balcony Area	21 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	34 SOMERSET DOWNS
City	SAINT LOUIS
State	MO
Zip	63124-1031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33A
Legal Description	SOMERSET DOWNS PLAT 2 LOT I
Legal Subdivision	SOMERSET DOWNS PLAT 2
Legal Lot Number	I
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	3
Census Block	3005
Census Tract	217500

Owner

Source: St. Louis County records, as of October 2, 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	34 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Dec 9, 2021	Intrafamily Transfer, Transfer
Jun 5, 2019	Warranty Deed, Transfer PARAMOUNT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on Record
Deed Sale	Sep 18, 2026 · Amount on Record
Prior Sale	Jun 5, 2019 · Amount on Record
Deed Document Number	2026252
Prior Transfer Date	May 25, 2001
Prior Transfer Doc	0000000482
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 18, 2026
Property Address	34 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	0000000252
Instrument Date	Sep 16, 2026
Instrument	2026918252
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	34 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031

Mortgage

Document Number	0000000253,
Date	Sep 18, 2026
Instrument	2026918253

Lender

Name	ARVEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	34 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0239061797
Date	Jan 31, 2020
Book Page	23906/1797
Instrument	2020013100357

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MO
Recording Date	Dec 9, 2021
Property Address	34 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	0247870528
Book / Page	24787 / 528
Map Reference	MB 99 PG 4
Instrument Date	Dec 1, 2021
Instrument	2021120900732
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jun 5, 2019
Property Address	34 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	0235542551
Book / Page	023554 / 002551
Instrument Date	Mar 5, 2018
Instrument	373
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO-CLAYTON

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SOMERSET DOWNS ST LOUIS MO 631241031, ST LOUIS, MO 63124-1031

Mortgage

Document Number	235542563
Date	Jun 5, 2019
Book Page	023554/002563
Instrument	376

Lender

Name	PARAMOUNT BK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	Ladue City
Unified School District	Ladue School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$376,220 (-) Land $213,750 Building $162,470	$1,980,100 (-) Land $1,125,000 Building $855,100
2025	$14,227.00 (-0.21%)	$376,220 (+78.08%) Land $213,750 Building $162,470	$1,980,100 (+78.08%) Land $1,125,000 Building $855,100
2024	$14,257.00 (+0.19%)
2023	$14,230.00	$211,260 Land $128,250 Building $83,010	$1,111,900 Land $675,000 Building $436,900

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	103 (1979–2024)
Claims Outside the SFHA	27 of 103
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 23 claims Severe Storms & Flooding, Sep 1993 · 18 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 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	0.03% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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