3521 Saint Francis Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 3521 Saint Francis Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,180 sqft · built 1990
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$203,900 (Dec 2014)
Tax Bill	$2,744 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-9.0-31.0-4-001-007.42`

Property Details

APN / Parcel Number

Primary APN	`01-9.0-31.0-4-001-007.42`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,180 sqft Living Area
Gross Area	1,360 sqft
1st Floor Area	140 sqft
Basement Area	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Bi-Level
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	180 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	584 sqft
Patio Area	688 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3521 SAINT FRANCIS DR
City	ARNOLD
State	MO
Zip	63010-3978
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	ST JOHNS CROSSING 2 LOT 128
Legal Range	6E
Legal Township	43N
Legal Section	31
Legal Subdivision	ST JOHNS CROSSING 2
Legal Block	1
Legal Lot Number	128
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	1
Census Block	1014
Census Tract	700122

Owner

3521 Saint Francis Dr is owned and occupied by two individuals who bought it in December 2014.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3521 SAINT FRANCIS DR, ARNOLD, MO 63010-3978
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2014 · Amount on File
Deed Sale	Dec 18, 2014 · Amount on File
Deed Document Number	201437807
Prior Transfer Date	Dec 10, 2003
Prior Transfer Doc	0000090937
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3521 SAINT FRANCIS DR, ARNOLD, MO 63010-3978
Document Number	0000000219
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3521 SAINT FRANCIS DR ARNOLD MO 630103978, ARNOLD, MO 63010-3978

Mortgage

Document Number	0000000219
Date	Jan 2, 2020
Instrument	219

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3521 Saint Francis Dr was $2,744.

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		$40,500 (-) Land $4,800 Building $35,700	$213,300 Land $25,300 Building $188,000
2025	$2,744.00	$40,500 Land $4,800 Building $35,700
2024			$213,300 (+9.67%) Land $25,300 Building $188,000
2023	$2,565.00	$36,900 Land $4,800 Building $32,100	$194,500 Land $25,300 Building $169,200

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

FEMA maps place 3521 Saint Francis Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3521 Saint Francis Dr is low, with less than a 0.01% annual chance of 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.

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