409 Monaco Dr, Saint Louis, MO 63122 Property Records

St. Louis County property record for 409 Monaco Dr, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,812 sqft · built 1963
Lot Size	0.285 acres (12,432 sqft)
Owner	2 Individual Names on Record
Last Sale	$579,000 (Aug 2022)
Tax Bill	$5,436 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21M-22-0182`

Property Details

APN / Parcel Number

Primary APN	`21M-22-0182`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,812 sqft Living Area
Gross Area	2,253 sqft
1st Floor Area	1,668 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Lot Area	12,432 sqft (0.285 acres)
Lot Dimensions	75 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	236 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 MONACO DR
City	SAINT LOUIS
State	MO
Zip	63122-1435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	63A
Legal Description	BISCAYNE HEIGHTS PLAT 5 LOT PT 10
Legal Subdivision	BISCAYNE HEIGHTS PLAT 5
Legal Lot Number	10
Jurisdiction	ST LOUIS MO
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3035
Census Tract	217500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 MONACO DR, SAINT LOUIS, MO 63122-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Aug 5, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS OF ST LOUIS
Feb 25, 2019	Deed of Trust, Mortgage · Line of Credit COMMERCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Prior Sale	Nov 17, 1999 · Amount on Record
Deed Document Number	202285220
Prior Transfer Date	Jul 7, 2016
Prior Transfer Doc	0220921411
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	409 MONACO DR, SAINT LOUIS, MO 63122-1435
Transaction Type	Mortgage
Record Updated	Jul 28, 2023
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MONACO DR, SAINT LOUIS, MO 63122-1435

Mortgage

Document Number	2023022400435
Date	Feb 24, 2023
Instrument	2023022400435

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Aug 5, 2022
Property Address	409 MONACO DR, SAINT LOUIS, MO 63122-1435
Document Number	2022080500220
Map Reference	MB 100 PG 7
Instrument Date	Aug 3, 2022
Instrument	2022080500220
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20675 WILDCAT RUN DR # DR102, 20675, ESTERO, FL 33928-2063

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	409 MONACO DR, SAINT LOUIS, MO 63122-1435

Mortgage

Document Number	2022080500221
Date	Aug 5, 2022
Instrument	2022080500221

Lender

Name	MORTGAGE SOLUTIONS OF ST LOUIS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	409 MONACO DR, SAINT LOUIS, MO 63122-1435
Document Number	0234224290
Instrument Date	Feb 25, 2019
Transaction Type	Mortgage
Record Updated	Mar 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 MONACO DR ST LOUIS MO 631221435, ST LOUIS, MO 63122-1435

Mortgage

Document Number	0234224290
Date	Mar 4, 2019
Book Page	023422/004290
Instrument	722

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 3, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Warson Woods City
Unified School District	Kirkwood R-VII School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$102,350 (-) Land $66,800 Building $35,550	$538,700 (-) Land $351,600 Building $187,100
2025	$5,436.00 (-1.02%)	$102,350 (+13.24%) Land $66,800 Building $35,550	$538,700 (+13.24%) Land $351,600 Building $187,100
2024	$5,492.00 (+1.5%)
2023	$5,411.00 (+28.01%)	$90,380 (+36.01%) Land $42,670 Building $47,710	$475,700 (+36.03%) Land $224,600 Building $251,100
2022	$4,227.00	$66,450 Land $46,230 Building $20,220
2021			$349,700 Land $243,300 Building $106,400

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

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
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	103 (1979–2024)
Claims Outside the SFHA	27 of 103
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 23 claims Severe Storms & Flooding, Sep 1993 · 18 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 351 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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