St. Louis County property record for 409 Winding Oaks Ct, Ballwin, MO 63021
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,385 sqft · built 1991 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Jul 2015) |
| Tax Bill | $5,497 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25S-63-0686 |
| Primary APN | 25S-63-0686 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,385 sqft Living Area |
| Gross Area | 2,826 sqft |
| 1st Floor Area | 2,385 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 108 ft deep x 86 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 | 80 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 WINDING OAKS CT |
|---|---|
| City | BALLWIN |
| State | MO |
| Zip | 63021-7377 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | ARBOR OAKS PLAT ONE 12 8 89 LOT 135 |
| Legal Subdivision | ARBOR OAKS PLAT ONE |
| Legal Lot Number | 135 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | MERAMEC |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 217923 |
Source: St. Louis County records, as of September 29, 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 WINDING OAKS CT, BALLWIN, MO 63021-7377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2015 · Amount on Record |
| Deed Sale | Jul 2, 2015 · Amount on Record |
| Deed Document Number | 2015385 |
| Deed Book / Page | 21576 / 1136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 409 WINDING OAKS CT, BALLWIN, MO 63021-7377 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 409 WINDING OAKS CT, BALLWIN, MO 63021-7377 |
| Document Number | 0250020421 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 25002/421 |
| Instrument | 2021072100078 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
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 | $89,690 (-) Land $37,530 Building $52,160 | $472,000 (-) Land $197,500 Building $274,500 | |
| 2025 | $5,497.00 (-1.38%) | $89,690 (+4.08%) Land $37,530 Building $52,160 | $472,000 (+4.08%) Land $197,500 Building $274,500 |
| 2024 | $5,574.00 (+1.44%) | ||
| 2023 | $5,495.00 (+10.83%) | $86,170 (+21.31%) Land $26,280 Building $59,890 | $453,500 (+21.32%) Land $138,300 Building $315,200 |
| 2022 | $4,958.00 | $71,030 Land $22,520 Building $48,510 | |
| 2021 | $373,800 Land $118,500 Building $255,300 |
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.
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.
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 |
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