35 Somerset Downs, Saint Louis, MO 63124 Property Records

St. Louis County property record for 35 Somerset Downs, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	5 bd · 8 ba · 5,690 sqft · built 1970
Lot Size	3.01 acres (131,116 sqft)
Owner	Company Name on Record
Last Sale	$1,830,000 (Jan 2023)
Tax Bill	$21,598 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`21M-5-3-003-0`

Property Details

APN / Parcel Number

Primary APN	`21M-5-3-003-0`

Interior

Bedrooms	5 Beds
Full Baths	8 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	26 Plumbing Fixtures
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	5,690 sqft Living Area
1st Floor Area	2,465 sqft
Basement Area	28 sqft
Unfinished Basement	28 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Architectural Style	Colonial
Exterior Material	Brick
Foundation Type	Raised
Lot Area	131,116 sqft (3.01 acres)
Lot Dimensions	253 ft deep x 139 ft wide
Garage Area	904 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	750 sqft
Porch	Open Porch
Porch Area	57 sqft
Deck Area	256 sqft
Patio Area	256 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	35 SOMERSET DOWNS
City	SAINT LOUIS
State	MO
Zip	63124-1031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	SOMERSET DOWNS PLAT 2 LOT G
Legal Subdivision	SOMERSET DOWNS PLAT 2
Legal Lot Number	G
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 February 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Jan 26, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Nov 24, 2020	Loan Modification, Mortgage · Line of Credit SULLIVAN BK
Nov 24, 2020	Loan Modification, Mortgage · Line of Credit SULLIVAN BK
Mar 18, 2020	Loan Modification, Mortgage SULLIVAN BK
Sep 23, 2019	Warranty Deed, Transfer · Line of Credit BANK OF SULLIVAN
Mar 28, 2018	Deed of Trust, Mortgage · Line of Credit MIDWEST BANKCENTRE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2023 · Amount on Record
Deed Sale	Jan 26, 2023 · Amount on Record
Prior Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	2023012600235
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Transaction Type	Mortgage
Record Updated	May 11, 2026
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031

Mortgage

Document Number	2026010500710
Date	Jan 5, 2026
Instrument	2026010500710

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year CMT
Margin	2
Max Rate	11.5%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jan 26, 2023
Property Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	2023012600235
Map Reference	MB 99 PG 4
Instrument Date	Jan 24, 2023
Instrument	2023012600235
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2601 N BROADWAY, SAINT LOUIS, MO 63102-1507

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031

Mortgage

Document Number	2023012600236
Date	Jan 26, 2023
Instrument	2023012600236

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2033

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MO
Property Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	0245082046
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2601 N BROADWAY ST LOUIS MO 631021507, ST LOUIS, MO 63102-1507

Mortgage

Document Number	0245082046
Date	Dec 15, 2020
Book Page	024508/002046
Instrument	279

Lender

Name	SULLIVAN BK
Address	SULLIVAN, MO 63080

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MO
Property Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	0245521215
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2601 N BROADWAY ST LOUIS MO 631021507, ST LOUIS, MO 63102-1507

Mortgage

Document Number	0245521215
Date	Dec 31, 2020
Book Page	024552/001215
Instrument	152

Lender

Name	SULLIVAN BK
Address	318 W MAIN ST, SULLIVAN, MO 63080-1960

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MO
Property Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	0240003427
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2601 N BROADWAY ST LOUIS MO 631021507, ST LOUIS, MO 63102-1507

Mortgage

Document Number	0240003427
Date	Apr 13, 2020
Book Page	024000/003427
Instrument	380

Lender

Name	SULLIVAN BK
Address	318 W MAIN ST, SULLIVAN, MO 63080-1960

Agreement

Amount	Amount Recorded

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 23, 2019
Property Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	0237080711
Book / Page	023708 / 000711
Instrument Date	Sep 12, 2019
Instrument	128
Transaction Type	Transfer
Record Updated	Feb 22, 2021
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
Relationship	Company
Address	2601 N BROADWAY ST LOUIS MO 631021507, ST LOUIS, MO 63102-1507

Mortgage

Document Number	237080714
Date	Sep 23, 2019
Book Page	023708/000714
Instrument	129

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	318 W MAIN ST, SULLIVAN, MO 63080-1960

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	237690238,
Date	Sep 23, 2019
Book Page	023769/000238
Instrument	315

Lender

Name	ROOFERS MART INC
Address	7208 WEIL AVE, ST LOUIS, MO 63119-3425

Agreement

Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	35 SOMERSET DOWNS, SAINT LOUIS, MO 63124-1031
Document Number	0229600258
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	TRUE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2307 TRADITION WAY #101 NAPLES FL 341053096, 101, NAPLES, FL 34105-3096

Mortgage

Document Number	0229600258
Date	Mar 29, 2018
Book Page	022960/000258
Instrument	131

Lender

Name	MIDWEST BANKCENTRE
Type	Bank
Address	2191 LEMAY FERRY RD, ST LOUIS, MO 63125-2435

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of May 31, 2025

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
2025		$509,810 (+59.31%) Land $285,950 Building $223,860	$2,683,200 (+59.31%) Land $1,505,000 Building $1,178,200
2024	$21,598.00 (+0.19%)
2023	$21,557.00	$320,020 Land $171,570 Building $148,450	$1,684,300 Land $903,000 Building $781,300

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 August 10, 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 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 97% of the US · lower than 95% 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	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 65 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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