Franklin County property record for 409 Lighthouse Ct, Villa Ridge, MO 63089
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,780 sqft · built 2005 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $253,100 (Sep 2019) |
| Tax Bill | $3,854 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Mar 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-6-23.0-0-021-085.510 |
| Primary APN | 18-6-23.0-0-021-085.510 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Frame |
| Lot Area | 26,136 sqft (0.6 acres) |
| Patio Area | 144 sqft |
| Street Address | 409 LIGHTHOUSE CT |
|---|---|
| City | VILLA RIDGE |
| State | MO |
| Zip | 63089-2054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD |
| Legal Description | LOT:137 BRIDGEWATER ESTATES P3 |
| Legal Range | 1E |
| Legal Township | 43N |
| Legal Section | 22 |
| Legal Subdivision | BRIDGEWATER ESTATES |
| Legal Lot Number | 137 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | BOLES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 800103 |
409 Lighthouse Ct is owned and occupied by two individuals who bought it in September 2019.
Source: Franklin County records, as of November 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 LIGHTHOUSE CT, VILLA RIDGE, MO 63089-2054 |
| 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 |
|---|---|
| Sep 17, 2019 | Warranty Deed, Transfer MLD MTG |
| Mar 8, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2019 · Amount on File |
| Deed Sale | Sep 17, 2019 · Amount on File |
| Prior Sale | Mar 8, 2018 |
| Deed Document Number | 201912335 |
| Prior Transfer Date | Apr 19, 2010 |
| Prior Transfer Doc | 0000006443 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Sep 17, 2019 |
| Property Address | 409 LIGHTHOUSE CT, VILLA RIDGE, MO 63089-2054 |
| Document Number | 0000012335 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 12335 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2019 |
| Title Company | FRANKLIN COUNTY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 LIGHTHOUSE CT VILLA RIDGE MO 63089, VILLA RIDGE, MO 63089 |
| Document Number | 12336 |
|---|---|
| Date | Sep 17, 2019 |
| Instrument | 12336 |
| Name | MLD MTG |
|---|---|
| Type | Mortgage Company |
| Address | FLORHAM PARK, NJ 07932 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 16, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Mar 8, 2018 |
| Property Address | 409 LIGHTHOUSE CT, VILLA RIDGE, MO 63089-2054 |
| Document Number | 0000003017 |
| Instrument Date | Mar 5, 2018 |
| Instrument | 3017 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2212 BAY TREE DR ST PETERS MO 633762783, ST PETERS, MO 63376-2783 |
The 2025 property tax bill for 409 Lighthouse Ct was $3,854.
Source: Franklin County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | Meramec Valley R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,854.00 | $49,999 | $263,150 Land $60,000 Building $203,150 |
| 2023 | $2,784.00 (-5.56%) | $39,218 | $206,410 Land $40,000 Building $166,410 |
| 2022 | $2,948.00 |
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 409 Lighthouse Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · 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 | 4 in force |
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 risk around 409 Lighthouse Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 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 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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