3878 W Elm Pl, Arnold, MO 63010 Property Records

Jefferson County property record for 3878 W Elm Pl, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,253 sqft · built 1975
Lot Size	0.258 acres (11,241 sqft)
Owner	2 Individual Names on File
Last Sale	$290,478 (Dec 2025)
Tax Bill	$1,506 (2025)
Deeds & Mortgages	Dec 2025 Sale Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`081.001.01004054`

Property Details

APN / Parcel Number

Primary APN	`081.001.01004054`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,253 sqft Living Area
1st Floor Area	1,253 sqft
Basement Area	120 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	11,241 sqft (0.258 acres)
Lot Dimensions	163 ft deep x 38 ft wide
Garage Type	Detached
Garage Area	480 sqft
Porch	Open Frame Porch
Porch Area	56 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3878 W ELM PL
City	ARNOLD
State	MO
Zip	63010-4139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R07
Legal Description	WEST ELM PLACE LOT 20
Legal Range	5E
Legal Township	42N
Legal Section	01
Legal Subdivision	WEST ELM PLACE
Legal Block	1
Legal Lot Number	20
Jurisdiction	JEFFERSON MO
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1027
Census Tract	700117

Owner

3878 W Elm Pl is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3878 W ELM PL, ARNOLD, MO 63010-4139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Dec 17, 2025	Warranty Deed, Transfer CONTINENTAL, CONTINENTAL TITLE COMPANY
Dec 18, 2025	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Jun 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Aug 27, 2019	Deed of Trust, Mortgage · ARM FIRST COMMUNITY CU
Jun 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2025 · Amount on File
Deed Sale	Dec 18, 2025 · Amount on File
Prior Sale	Dec 17, 2025
Deed Document Number	202533122
Prior Transfer Date	May 18, 2009
Prior Transfer Doc	0000020928
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Dec 17, 2025
Property Address	3878 W ELM PL, ARNOLD, MO 63010-4139
Document Number	0000032973
Map Reference	MB 28 PG 5
Instrument Date	Dec 12, 2025
Instrument	2025R-032973
Transaction Type	Transfer
Record Updated	Jan 5, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2183 TERRIMILL TER, CHESTERFIELD, MO 63017-7525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10293 SAINT KATHERINE LN, SAINT ANN, MO 63074-2947

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Dec 18, 2025
Property Address	3878 W ELM PL, ARNOLD, MO 63010-4139
Document Number	0000033122
Map Reference	MB 28 PG 5
Instrument Date	Dec 12, 2025
Instrument	2025R-033122
Transaction Type	Transfer
Record Updated	Jan 5, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10293 SAINT KATHERINE LN, SAINT ANN, MO 63074-2947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3878 W ELM PL, ARNOLD, MO 63010-4139

Mortgage

Document Number	0000033123
Date	Dec 18, 2025
Instrument	2025R-033123

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3878 W ELM PL, ARNOLD, MO 63010-4139
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016448
Date	Jun 10, 2019
Instrument	2019R-016448

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	May 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3878 W ELM PL, ARNOLD, MO 63010-4139
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025558
Date	Aug 27, 2019
Instrument	2019R-025558

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3878 W ELM PL, ARNOLD, MO 63010-4139
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016454
Date	Jun 10, 2019
Instrument	2019R-016454

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	May 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3878 W Elm Pl was $1,506.

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

Property Jurisdictions

Type	Name
State	Missouri
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		$21,800 (-) Land $2,700 Building $19,100	$115,100 Land $14,400 Building $100,700
2025	$1,506.00	$21,800 Land $2,700 Building $19,100
2024			$115,100 (+7.97%) Land $14,400 Building $100,700
2023	$1,433.00	$20,200 Land $2,700 Building $17,500	$106,600 Land $14,400 Building $92,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3878 W Elm Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · rainfall accumulation

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

The area around 3878 W Elm Pl 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEFFERSON CO CONS PWSD C 1 serves 37,000 people · EPA ID MO6024295
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Aug 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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Wisper ISP.

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