403 Ranch Dr, Manchester (Ballwin), MO 63011 Property Records

St. Louis County property record for 403 Ranch Dr, Manchester, MO 63011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,519 sqft · built 1976
Lot Size	0.31 acres (13,515 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Oct 2024)
Tax Bill	$4,674 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Jun 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`22R-33-0494`

Property Details

APN / Parcel Number

Primary APN	`22R-33-0494`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,519 sqft Living Area
Gross Area	1,819 sqft
1st Floor Area	1,219 sqft
Basement Area	300 sqft
Game Room	Game Room

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	13,515 sqft (0.31 acres)
Lot Dimensions	114 ft deep x 77 ft wide
Terrain	Above Road/Slope
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	2 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	66 sqft
Deck Area	80 sqft
Patio Area	648 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	403 RANCH DR
City	MANCHESTER
State	MO
Zip	63011-3946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	94R-1
Legal Description	BAXTER ACRES PLAT 3 LOT 229
Legal Subdivision	BAXTER ACRES PLAT 3
Legal Lot Number	229
Jurisdiction	ST LOUIS MO
Township / Civil Division	LAFAYETTE
Census Block Group	4
Census Block	4010
Census Tract	217802

Owner

403 Ranch Dr is owned and occupied by two individuals who bought it in October 2024.

Source: St. Louis County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	403 RANCH DR, MANCHESTER, MO 63011-3946
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
Oct 10, 2024	Warranty Deed, Transfer · Conventional Mortgage BANK OF SPRINGFIELD
Jun 29, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Apr 27, 2020	Quit Claim Deed, Transfer CENTRAL BK/ST LOUIS
Apr 2, 2020	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Apr 2, 2020	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/ST LOUIS
May 26, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 2, 2017	Deed of Trust, Mortgage NATIONSTAR MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2024 · Amount on File
Deed Sale	Oct 10, 2024 · Amount on File
Prior Sale	Jun 29, 2023 · Amount on File
Deed Document Number	20241010294
Prior Transfer Date	Apr 12, 2010
Prior Transfer Doc	0188951877
Record Updated	Oct 29, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 10, 2024
Property Address	403 RANCH DR, MANCHESTER, MO 63011-3946
Document Number	2024101000294
Map Reference	MB 96 PG 2
Instrument Date	Oct 9, 2024
Instrument	2024101000294
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23548 SANDSTONE, MISSION VIEJO, CA 92692-1884

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RANCH DR, MANCHESTER, MO 63011-3946

Mortgage

Document Number	2024101000295
Date	Oct 10, 2024
Instrument	2024101000295

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jun 29, 2023
Property Address	403 RANCH DR, MANCHESTER, MO 63011-3946
Document Number	2023062900539
Map Reference	MB 96 PG 2
Instrument Date	Jun 21, 2023
Instrument	2023062900539
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 BONHOMME RICHARD CT, SAINT CHARLES, MO 63303-1761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RANCH DR, MANCHESTER, MO 63011-3946

Mortgage

Document Number	2023062900540
Date	Jun 29, 2023
Instrument	2023062900540

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jul 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Index	Other
Margin	3
Max Rate	11.3%

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MO
Recording Date	Apr 27, 2020
Property Address	403 RANCH DR, MANCHESTER, MO 63011-3946
Document Number	0240200947
Book / Page	024020 / 000947
Instrument Date	Apr 2, 2020
Instrument	126
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 RANCH DR MANCHESTER MO 630113946, MANCHESTER, MO 63011-3946

Mortgage

Document Number	240200950
Date	Apr 27, 2020
Book Page	024020/000950
Instrument	127

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 26, 2035

Mortgage

Document Number	240200965,
Date	Apr 27, 2020
Book Page	024020/000965
Instrument	128

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 26, 2040

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	403 RANCH DR, MANCHESTER, MO 63011-3946
Document Number	0240200950
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 RANCH DR MANCHESTER MO 630113946, MANCHESTER, MO 63011-3946

Mortgage

Document Number	0240200950
Date	Apr 27, 2020
Book Page	024020/000950
Instrument	127

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 26, 2035

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	403 RANCH DR, MANCHESTER, MO 63011-3946
Document Number	0240200965
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 RANCH DR MANCHESTER MO 630113946, MANCHESTER, MO 63011-3946

Mortgage

Document Number	0240200965
Date	Apr 27, 2020
Book Page	024020/000965
Instrument	128

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 26, 2040

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	403 RANCH DR, MANCHESTER, MO 63011-3946
Document Number	0230600123
Instrument Date	May 26, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RANCH DR MANCHESTER MO 630113946, MANCHESTER, MO 63011-3946

Mortgage

Document Number	0230600123
Date	Jun 8, 2018
Book Page	023060/000123
Instrument	96

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2048

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	403 RANCH DR, MANCHESTER, MO 63011-3946
Document Number	0225240875
Book / Page	022524 / 000875
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RANCH DR BALLWIN MO 630113946, BALLWIN, MO 63011-3946

Mortgage

Document Number	0225240875
Date	May 15, 2017
Book Page	022524/000875
Instrument	259

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	DALLAS, TX 75019

Agreement

Amount	Amount on Record
Term	300 Months
Due	May 14, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 403 Ranch Dr was $4,674, up 20.2% 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	Manchester City
Unified School District	Parkway C-2 School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$72,170 (-) Land $27,040 Building $45,130	$379,800 (-) Land $142,300 Building $237,500
2025	$4,674.00 (+20.15%)	$72,170 Land $27,040 Building $45,130	$379,800 Land $142,300 Building $237,500
2024	$3,890.00 (-0.84%)
2023	$3,923.00 (+3.92%)	$56,760 (+11.58%) Land $17,370 Building $39,390	$298,700 Land $91,400 Building $207,300
2022	$3,775.00	$50,870 Land $21,950 Building $28,920
2021			$267,700 Land $115,500 Building $152,200

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 403 Ranch Dr in Zone X, an area of minimal flood risk, though there have been 13 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	6 in force
Nearby Flood Claims	13 (1979–2020)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 claims Severe Storms & Flooding, Sep 1993 · 5 claims

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 403 Ranch 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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