4 Ridgetop Dr, Saint Louis, MO 63117 Property Records

St. Louis County property record for 4 Ridgetop Dr, Saint Louis, MO 63117

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,870 sqft · built 1936
Lot Size	0.332 acres (14,444 sqft)
Owner	2 Individual Names on File
Last Sale	$790,000 (Oct 2018)
Tax Bill	$12,836 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19K-14-0047`

Property Details

APN / Parcel Number

Primary APN	`19K-14-0047`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,870 sqft Living Area
Gross Area	5,398 sqft
1st Floor Area	1,361 sqft
Attic	Attic
Attic Area	528 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Colonial
Exterior Material	Brick
Foundation Type	Raised
Lot Area	14,444 sqft (0.332 acres)
Lot Dimensions	161 ft deep x 40 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	378 sqft
Patio Area	56 sqft
Canopy	351 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4 RIDGETOP DR
City	SAINT LOUIS
State	MO
Zip	63117-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	49R1A
Legal Description	RIDGETOP SECOND RESUB LOT D
Legal Subdivision	RIDGETOP SECOND RESUB
Legal Lot Number	D
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	1
Census Block	1000
Census Tract	216600

Owner

4 Ridgetop Dr is owned and occupied by two individuals who bought it in October 2018.

Source: St. Louis County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 RIDGETOP DR, SAINT LOUIS, MO 63117-1021
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

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK
Jan 8, 2021	Deed of Trust, Mortgage · Line of Credit PARAMOUNT BANK
Sep 28, 2019	Deed of Trust, Mortgage PARAMOUNT BK
Oct 15, 2018	Warranty Deed, Transfer PARAMOUNT BOND & MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on File
Deed Sale	Oct 15, 2018 · Amount on File
Deed Document Number	2018666
Deed Book / Page	23238 / 2739
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	4 RIDGETOP DR, SAINT LOUIS, MO 63117-1021
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	INVESTORS TITLE CO CLAYTON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 RIDGETOP DR, RICHMOND HEIGHTS, MO 63117-1021

Mortgage

Document Number	0245464550
Date	Dec 29, 2020
Book Page	24546/4550
Instrument	2020122901114

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	4 RIDGETOP DR, SAINT LOUIS, MO 63117-1021
Transaction Type	Mortgage
Record Updated	Jun 18, 2021
Title Company	INVESTORS TITLE CO CLAYTON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 RIDGETOP DR, RICHMOND HEIGHTS, MO 63117-1021

Mortgage

Document Number	0245740394
Date	Jan 8, 2021
Book Page	24574/394
Instrument	2021010800654

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	HAZELWOOD, MO 63042

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	4 RIDGETOP DR, SAINT LOUIS, MO 63117-1021
Document Number	0237310223
Instrument Date	Sep 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 RIDGETOP DR ST LOUIS MO 631171021, ST LOUIS, MO 63117-1021

Mortgage

Document Number	0237310223
Date	Oct 9, 2019
Book Page	023731/000223
Instrument	144

Lender

Name	PARAMOUNT BK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 15, 2018
Property Address	4 RIDGETOP DR, SAINT LOUIS, MO 63117-1021
Document Number	0232382739
Book / Page	023238 / 002739
Instrument Date	Oct 11, 2018
Instrument	666
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 RIDGETOP DR ST LOUIS MO 631171021, ST LOUIS, MO 63117-1021

Mortgage

Document Number	232382742
Date	Oct 15, 2018
Book Page	023238/002742
Instrument	667

Lender

Name	PARAMOUNT BOND & MTG
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4 Ridgetop Dr was $12,836, down 8.1% from the year before.

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Richmond Heights City
Unified School District	Ladue School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$208,320 (-) Land $88,580 Building $119,740	$1,096,400 (-) Land $466,200 Building $630,200
2025	$12,836.00 (-8.09%)	$208,320 Land $88,580 Building $119,740	$1,096,400 Land $466,200 Building $630,200
2024	$13,966.00 (+0.06%)
2023	$13,958.00 (+26.82%)	$220,310 (+30.96%) Land $74,940 Building $145,370	$1,159,500 Land $394,400 Building $765,100
2022	$11,006.00	$168,230 Land $52,460 Building $115,770
2021			$885,400 Land $276,100 Building $609,300

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 4 Ridgetop Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 10, 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 Policies	1 in force
Nearby Flood Claims	2 (1979–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2013 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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 4 Ridgetop 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 99.8% of the US · lower than 99.6% 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	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

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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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