St. Louis County property record for 3678 Elsa Ave, Saint Ann, MO 63074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,310 sqft · built 1948 |
| Lot Size | 0.137 acres (5,950 sqft) |
| Owner | Company Name on File |
| Last Sale | $117,040 (May 2026) |
| Tax Bill | $1,383 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Dec 2022 Second Mortgage + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 13L-52-0178 |
| Primary APN | 13L-52-0178 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,310 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Family Room | Family Room |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Bungalow |
| Exterior Material | Block |
| Foundation Type | Raised |
| Lot Area | 5,950 sqft (0.137 acres) |
| Lot Dimensions | 119 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 242 sqft |
| Carport | Carport |
| Carport Area | 242 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 42 sqft |
| Patio Area | 100 sqft |
| Utility Building | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3678 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 16 |
| Legal Subdivision | ELSMOOR PLACE |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | AIRPORT |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 213302 |
3678 Elsa Ave is owned by a company that bought it in May 2026.
Source: St. Louis County records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1342 NOLITA, IRVINE, CA 92612-6579 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage NETX MORTGAGE LLC |
| Dec 13, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI RENTALS COMPANY LLC |
| Oct 24, 2025 | Warranty Deed, Transfer · Commercial Mortgage BPL MORTGAGE LLC |
| Oct 18, 2022 | Deed, Transfer INVESTORS TITLE COMPANY |
| Mar 18, 2021 | Intrafamily Transfer, Transfer · Line of Credit AMERICAN BANK OF MISSOURI |
| Aug 12, 2020 | Warranty Deed, Transfer KINCAID EQUITY INVS LLC |
| Dec 17, 2019 | Tax Deed, Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Prior Sale | Oct 24, 2025 · Amount on File |
| Deed Document Number | 2026228 |
| Prior Transfer Date | Mar 11, 2021 |
| Prior Transfer Doc | 0247341578 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | May 26, 2026 |
| Property Address | 3678 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Document Number | 0000000228 |
| Instrument Date | May 20, 2026 |
| Instrument | 2026228 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 1342 NOLITA, IRVINE, CA 92612-6579 |
| Document Number | 0000000229, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 2026526229 |
| Name | NETX MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 3678 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2022121300207 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 2022121300207 |
| Name | MISSOURI RENTALS COMPANY LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT CHARLES, MO 63304 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Oct 24, 2025 |
| Property Address | 3678 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Document Number | 2025102400197 |
| Map Reference | MB 14 PG 100 |
| Instrument Date | Oct 20, 2025 |
| Instrument | 2025102400197 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3209 DROSTE RD, SAINT CHARLES, MO 63301-1110 |
| Name | Verified Name |
|---|---|
| Address | 1759 OCEAN FRONT ST, SAN DIEGO, CA 92107-3246 |
| Document Number | 2025102400198 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 2025102400198 |
| Name | BPL MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Oct 18, 2022 |
| Property Address | 3678 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Document Number | 2022101800428 |
| Map Reference | MB 14 PG 100 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 2022101800428 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2022 |
| Title Company | INVESTORS TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 302 E 3100 AVE, 302, RAMSEY, IL 62080-4188 |
| Name | Verified Name |
|---|---|
| Address | 3209 DROSTE RD, SAINT CHARLES, MO 63301-1110 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Mar 18, 2021 |
| Property Address | 3678 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Document Number | 0247341578 |
| Book / Page | 24734 / 1578 |
| Map Reference | MB 14 PG 100 |
| Instrument Date | Mar 11, 2021 |
| Instrument | 2021031800592 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Title Company | INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO CLAYTON |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 E 3100 AVE, RAMSEY, IL 62080-4188 |
| Document Number | 2021031800593 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 2021031800593 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Aug 12, 2020 |
| Property Address | 3678 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Document Number | 0242040740 |
| Book / Page | 024204 / 000740 |
| Instrument Date | Jul 13, 2020 |
| Instrument | 746 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2020 |
| Title Company | INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO-CLAYTON |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2912 REISS AVE BELLEVILLE IL 622266735, BELLEVILLE, IL 62226-6735 |
| Document Number | 242040743 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 024204/000743 |
| Instrument | 747 |
| Name | KINCAID EQUITY INVS LLC |
|---|---|
| Address | 174 SORLEE DR, VALLEY PARK, MO 63088-1335 |
| Amount | Amount on Record |
|---|
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Dec 17, 2019 |
| Property Address | 3678 ELSA AVE, SAINT ANN, MO 63074-2012 |
| Document Number | 0238230469 |
| Book / Page | 023823 / 000469 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 508 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 30, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 16105 SWINGLEY RIDGE RD #802 CHESTERFIELD MO 630171733, 802, CHESTERFIELD, MO 63017-1733 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3678 Elsa Ave was $1,383, up 12.2% 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 | $17,990 (-) Land $5,510 Building $12,480 | $94,700 (-) Land $29,000 Building $65,700 | |
| 2025 | $1,383.00 (+12.17%) | $17,990 (+25.54%) Land $5,510 Building $12,480 | $94,700 Land $29,000 Building $65,700 |
| 2024 | $1,233.00 (+2.07%) | $14,330 (-) Land $3,310 Building $11,020 | |
| 2023 | $1,208.00 (+17.28%) | $14,330 (+30.63%) Land $3,310 Building $11,020 | $75,400 Land $17,400 Building $58,000 |
| 2022 | $1,030.00 | $10,970 Land $2,950 Building $8,020 | |
| 2021 | $57,700 Land $15,500 Building $42,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3678 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 3678 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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