3907 Prather Ave, Saint Louis, MO 63109 Property Records

St. Louis City property record for 3907 Prather Ave, Saint Louis, MO 63109

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,160 sqft · built 1940
Lot Size	0.123 acres (5,360 sqft)
Owner	2 Individual Names on File
Last Sale	$68,968 (Oct 2022)
Tax Bill	$3,479 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2025 Mortgage + 4 more
APN	`5777-9-090.000`

Property Details

APN / Parcel Number

Primary APN	`5777-9-090.000`
Alternative APN	`5777-06-0180-0`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,160 sqft Living Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1945
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Brick
Lot Area	5,360 sqft (0.123 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3907 PRATHER AVE
City	SAINT LOUIS
State	MO
Zip	63109-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	CB 5777 S PRATHER 36 FT X 137 FT 6 IN E LINDENWOOD ADDN BLOCK 2 LOT N 26 S 27
Legal Subdivision	LINDENWOOD ADDN
Legal Block	2
Legal Lot Number	N
Jurisdiction	ST LOUIS CITY MO
Township / Civil Division	ST. LOUIS
Census Block Group	3
Census Block	3012
Census Tract	103800

Owner

3907 Prather Ave is owned and occupied by two individuals who bought it in October 2022.

Source: St. Louis City records, as of June 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Apr 27, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Aug 5, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 27, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage TOGETHER CU
Oct 9, 2020	Deed of Trust, Mortgage HOME PT FIN'L
Jan 7, 2020	Deed of Trust, Mortgage HOME PT FIN'L
May 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2022 · Amount on File
Deed Sale	Oct 27, 2022 · Amount on File
Prior Sale	May 11, 2018 · Amount on File
Deed Document Number	2022212
Deed Book / Page	102720 / 212
Prior Transfer Date	Oct 21, 2022
Prior Transfer Doc	0000000212
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS CITY MO
Recording Date	Apr 27, 2026
Property Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250
Document Number	0000000051
Book / Page	272026 / 51
Instrument Date	Apr 20, 2026
Instrument	202651
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250

Mortgage

Document Number	0000000051,
Date	Apr 27, 2026
Book Page	272026/51
Instrument	202651

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2040

Interest

Rate	5.54%
Max Rate	-1%

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS CITY MO
Property Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250

Mortgage

Document Number	0000000168
Date	Aug 5, 2025
Instrument	08052025-0168

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	182 Months
Due	Oct 1, 2040

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS CITY MO
Recording Date	Oct 27, 2022
Property Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250
Document Number	0000000212
Instrument Date	Oct 21, 2022
Instrument	10272022-0212
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	USTC, UST

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250

Mortgage

Document Number	0000000213
Date	Oct 27, 2022
Instrument	10272022-0213

Lender

Name	TOGETHER CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 30, 2037

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS CITY MO
Property Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250
Document Number	0000160283
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3907 PRATHER AVE ST LOUIS MO 631091250, ST LOUIS, MO 63109-1250

Mortgage

Document Number	0000160283
Date	Oct 16, 2020
Instrument	201016000283

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 15, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS CITY MO
Property Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250
Document Number	0001150107
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3907 PRATHER AVE ST LOUIS MO 631091250, ST LOUIS, MO 63109-1250

Mortgage

Document Number	0001150107
Date	Jan 15, 2020
Instrument	200115000107

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 14, 2035

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS CITY MO
Recording Date	May 11, 2018
Property Address	3907 PRATHER AVE, SAINT LOUIS, MO 63109-1250
Document Number	0005110113
Instrument Date	May 9, 2018
Instrument	180511000113
Transaction Type	Transfer
Record Updated	Jul 12, 2018

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3907 PRATHER AVE ST LOUIS MO 631091250, ST LOUIS, MO 63109-1250

Tax Assessment & Valuation

The 2025 property tax bill for 3907 Prather Ave was $3,479, up 16.1% from the year before.

Source: St. Louis City assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	St. Louis City
Unified School District	St. Louis City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,160 (-) Land $2,050 Building $40,110
2025	$3,479.00 (+16.08%)	$42,160 Land $2,050 Building $40,110	$221,912 Land $10,800 Building $211,112
2024	$2,997.00 (+5.12%)
2023	$2,851.00 (+3.48%)	$35,480 (+7.52%) Land $2,050 Building $33,430	$186,736 Land $10,789 Building $175,947
2022	$2,755.00	$33,000 Land $2,050 Building $30,950
2021			$173,684

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 has no flood map on file for 3907 Prather Ave; there have been 3 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	3 (1982–1985)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 1985 · tidal / storm surge

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 3907 Prather Ave 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 99.1% of the US · lower than 98.2% 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	ST LOUIS CITY PWS serves 304,709 people · EPA ID MO6010715
Water Source	Surface water
Last State Inspection	Oct 2022
Lead	2 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	2 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 878 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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