3509 Saint Stephen Ct, Arnold, MO 63010 Property Records

Jefferson County property record for 3509 Saint Stephen Ct, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,181 sqft · built 1989
Lot Size	0.228 acres (9,945 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,025 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-9.0-32.0-3-001-036.10`

Property Details

APN / Parcel Number

Primary APN	`01-9.0-32.0-3-001-036.10`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,181 sqft Living Area
Gross Area	1,599 sqft
1st Floor Area	1,181 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Lot Area	9,945 sqft (0.228 acres)
Lot Dimensions	133 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	418 sqft
Porch	Open Frame Porch
Porch Area	218 sqft
Patio Area	716 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3509 SAINT STEPHEN CT
City	ARNOLD
State	MO
Zip	63010-3973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	ST JOHNS CROSSING 1 LOT 10
Legal Range	6E
Legal Township	43N
Legal Section	32
Legal Subdivision	ST JOHNS CROSSING 1
Legal Block	1
Legal Lot Number	10
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	1
Census Block	1011
Census Tract	700122

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	3509 SAINT STEPHEN CT, ARNOLD, MO 63010-3973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Mar 31, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 1, 2017	Deed of Trust, Mortgage · FHA Mortgage VINSON MORTGAGE SERVICES INC
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2018
Deed Sale	Nov 6, 2018
Prior Sale	Jul 2, 2013 · Amount on Record
Deed Document Number	201833984
Prior Transfer Date	Nov 1, 2018
Prior Transfer Doc	0000033984
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3509 SAINT STEPHEN CT, ARNOLD, MO 63010-3973
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 SAINT STEPHEN CT, ARNOLD, MO 63010-3973

Mortgage

Document Number	0000052077
Date	Dec 2, 2021
Instrument	2021R-052077

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	163 Months
Due	Jul 3, 2035

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3509 SAINT STEPHEN CT, ARNOLD, MO 63010-3973
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 SAINT STEPHEN CT, ARNOLD, MO 63010-3973

Mortgage

Document Number	0000010706
Date	Mar 31, 2022
Instrument	2022R-010706

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Dec 28, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3509 SAINT STEPHEN CT, ARNOLD, MO 63010-3973
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023610
Date	Aug 1, 2017
Instrument	2017R-023610

Lender

Name	VINSON MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3509 SAINT STEPHEN CT, ARNOLD, MO 63010-3973
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029892
Date	Aug 17, 2020
Instrument	2020R-029892

Lender

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

Agreement

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

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Arnold City
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		$29,900 (-) Land $4,800 Building $25,100	$157,600 (-) Land $25,300 Building $132,300
2025	$2,025.00 (+9.52%)	$29,900 (+12.41%) Land $4,800 Building $25,100
2024			$157,600 (+12.41%) Land $25,300 Building $132,300
2023	$1,849.00 (-2.48%)	$26,600 (-) Land $4,800 Building $21,800	$140,200 (-) Land $25,300 Building $114,900
2022	$1,896.00	$26,600 Land $4,800 Building $21,800
2021			$140,200 Land $25,300 Building $114,900

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 · 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	JEFFERSON COUNTY PWSD 1 serves 21,113 people · EPA ID MO6024292
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Oct 2023
Lead	7 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 249 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

Nearby Properties on Saint Stephen Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures