St. Louis County property record for 403 Arbor Lake Ct, Ballwin, MO 63021
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,820 sqft · built 1991 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $544,000 (Dec 2021) |
| Tax Bill | $6,317 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25S-63-0895 |
| Primary APN | 25S-63-0895 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,820 sqft Living Area |
| Gross Area | 3,443 sqft |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 182 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 127 ft deep x 51 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 55 sqft |
| Deck Area | 476 sqft |
| Patio Area | 18 sqft |
| Balcony Area | 60 sqft |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 403 ARBOR LAKE CT |
|---|---|
| City | BALLWIN |
| State | MO |
| Zip | 63021-7362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | ARBOR OAKS PLAT ONE 2 8 89 LOT 156 |
| Legal Subdivision | ARBOR OAKS PLAT ONE |
| Legal Lot Number | 156 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | MERAMEC |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 217923 |
403 Arbor Lake Ct is owned and occupied by two individuals who bought it in December 2021.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 ARBOR LAKE CT, BALLWIN, MO 63021-7362 |
| 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.
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Jan 6, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREAT SOUTHERN BANK |
| Dec 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage FAMILY FINANCE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2021 · Amount on File |
| Deed Sale | Dec 29, 2021 · Amount on File |
| Prior Sale | Jan 4, 2017 |
| Deed Document Number | 2021675 |
| Deed Book / Page | 25298 / 4331 |
| Prior Transfer Date | Sep 27, 2016 |
| Prior Transfer Doc | 02234100798 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Apr 8, 2026 |
| Property Address | 403 ARBOR LAKE CT, BALLWIN, MO 63021-7362 |
| Document Number | 0000000399 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 2026399 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 403 ARBOR LAKE CT, BALLWIN, MO 63021-7362 |
| Document Number | 0000000399, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 2026399 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2051 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 403 ARBOR LAKE CT, BALLWIN, MO 63021-7362 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 120 S CENTRAL AVE 1600, 1600, SAINT LOUIS, MO 63105-1798 |
| Document Number | 2023010600360 |
|---|---|
| Date | Jan 6, 2023 |
| Instrument | 2023010600360 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65801 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 3, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Dec 29, 2021 |
| Property Address | 403 ARBOR LAKE CT, BALLWIN, MO 63021-7362 |
| Document Number | 0252984331 |
| Book / Page | 25298 / 4331 |
| Map Reference | MB 292 PG 61-63 |
| Instrument Date | Dec 22, 2021 |
| Instrument | 2021122900675 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | SECURITY TITLE INSURANCE AGENCY, SECURITY TITLE INS AGCY |
| 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 | 966 KINGSCOVE CT, 966, TOWN AND COUNTRY, MO 63017-8351 |
| Name | Verified Name |
|---|---|
| Address | 403 ARBOR LAKE CT, BALLWIN, MO 63021-7362 |
| Document Number | 2021122900676 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2021122900676 |
| Name | FAMILY FINANCE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 403 Arbor Lake Ct was $6,317, down 1.4% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Unified School District | Parkway C-2 School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,150 (-) Land $38,950 Building $64,200 | $542,900 (-) Land $205,000 Building $337,900 | |
| 2025 | $6,317.00 (-1.42%) | $103,150 Land $38,950 Building $64,200 | $542,900 Land $205,000 Building $337,900 |
| 2024 | $6,408.00 (+1.42%) | ||
| 2023 | $6,318.00 (+13.67%) | $99,130 (+24.49%) Land $27,270 Building $71,860 | $521,700 Land $143,500 Building $378,200 |
| 2022 | $5,558.00 | $79,630 Land $22,900 Building $56,730 | |
| 2021 | $419,100 Land $120,500 Building $298,600 |
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.
FEMA maps place 403 Arbor Lake Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 10, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 403 Arbor Lake Ct is low, with 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 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 442 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures