St. Louis County property record for 3654 Elsa Ave, Saint Ann, MO 63074
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 615 sqft · built 1949 |
| Lot Size | 0.145 acres (6,307 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,213 (2025) |
| Deeds & Mortgages | Jun 2023 Transfer Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 13L-52-0079 |
| Primary APN | 13L-52-0079 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 615 sqft Living Area |
| 1st Floor Area | 615 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 6,307 sqft (0.145 acres) |
| Lot Dimensions | 53 ft deep x 53 ft wide |
| Porch | Open Frame Porch |
| Porch Area | 112 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3654 ELSA AVE |
|---|---|
| City | SAINT ANN |
| State | MO |
| Zip | 63074-2012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 84R-4 |
| Legal Description | ELSMOOR PLACE & LOT PT 15 LOT 14 |
| Legal Subdivision | ELSMOOR PLACE |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | AIRPORT |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 213302 |
3654 Elsa Ave is owned by a company that acquired it in June 2023.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 7506, CHESTERFIELD, MO 63006-7506 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 20, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Jun 3, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FCB BANKS |
| Oct 13, 2017 | Tax Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 20, 2023 |
| Deed Sale | Jun 20, 2023 |
| Prior Sale | Oct 13, 2017 · Amount on File |
| Deed Document Number | 2023790 |
| Prior Transfer Date | Jun 2, 2023 |
| Prior Transfer Doc | 0000000790 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Jun 20, 2023 |
| Property Address | 3654 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Document Number | 2023062000790 |
| Instrument Date | Jun 2, 2023 |
| Instrument | 2023062000790 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 SAVANNAH VIEW WAY, CHESTERFIELD, MO 63017-0600 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 3654 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 604 SAVANNAH VIEW WAY, CHESTERFIELD, MO 63017-0600 |
| Document Number | 2022060300565 |
|---|---|
| Date | Jun 3, 2022 |
| Instrument | 2022060300565 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Oct 13, 2017 |
| Property Address | 3654 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Document Number | 0227370671 |
| Book / Page | 022737 / 000671 |
| Instrument Date | Aug 23, 2017 |
| Instrument | 683 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 24, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 731 SAVANNAH CROSSING WAY CHESTERFIELD MO 630170614, CHESTERFIELD, MO 63017-0614 |
The 2025 property tax bill for 3654 Elsa Ave was $1,213, up 32% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Breckenridge Hills City |
| County | St. Louis County |
| Unified School District | Ritenour School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,730 (-) Land $5,550 Building $10,180 | $82,800 (-) Land $29,200 Building $53,600 | |
| 2025 | $1,213.00 (+31.99%) | $15,730 Land $5,550 Building $10,180 | $82,800 Land $29,200 Building $53,600 |
| 2024 | $919.00 (+2.11%) | ||
| 2023 | $900.00 (+11.66%) | $10,590 (+23.43%) Land $3,330 Building $7,260 | $55,700 Land $17,500 Building $38,200 |
| 2022 | $806.00 | $8,580 Land $2,960 Building $5,620 | |
| 2021 | $45,200 Land $15,600 Building $29,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3654 Elsa Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 5 (2017–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 3654 Elsa Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 427 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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