4122 Saddle Back Ct, Saint Louis, MO 63129 Property Records

St. Louis County property record for 4122 Saddle Back Ct, Saint Louis, MO 63129

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,869 sqft · built 1980
Lot Size	0.263 acres (11,474 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Oct 2015)
Tax Bill	$4,315 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30H-14-0985`

Property Details

APN / Parcel Number

Primary APN	`30H-14-0985`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,869 sqft Living Area
Gross Area	2,441 sqft
1st Floor Area	1,869 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Lot Area	11,474 sqft (0.263 acres)
Lot Dimensions	124 ft deep x 65 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	756 sqft
Porch	Open Frame Porch
Porch Area	290 sqft
Deck Area	77 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4122 SADDLE BACK CT
City	SAINT LOUIS
State	MO
Zip	63129-3450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	BIRCHWOOD ESTATES PLAT 2 2 15 79 LOT 44
Legal Subdivision	BIRCHWOOD ESTATES PLAT 2
Legal Lot Number	44
Jurisdiction	ST LOUIS MO
Township / Civil Division	OAKVILLE
Census Block Group	1
Census Block	1012
Census Tract	220442

Owner

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	4122 SADDLE BACK CT, SAINT LOUIS, MO 63129-3450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Aug 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 23, 2017	Loan Modification, Mortgage · FHA Mortgage FIRST GUARANTY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2015 · Amount on Record
Deed Sale	Oct 20, 2015 · Amount on Record
Prior Sale	Oct 20, 2015 · Amount on Record
Deed Document Number	2015227
Deed Book / Page	21730 / 1434
Prior Transfer Date	Sep 9, 1998
Prior Transfer Doc	0120520229
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	4122 SADDLE BACK CT, SAINT LOUIS, MO 63129-3450
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4122 SADDLE BACK CT, SAINT LOUIS, MO 63129-3450

Mortgage

Document Number	2022080300125
Date	Aug 3, 2022
Instrument	2022080300125

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	4122 SADDLE BACK CT, SAINT LOUIS, MO 63129-3450
Document Number	0227183988
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4122 SADDLE BACK CT ST LOUIS MO 631293450, ST LOUIS, MO 63129-3450

Mortgage

Document Number	0227183988
Date	Oct 2, 2017
Book Page	022718/003988
Instrument	695

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MO
Property Address	4122 SADDLE BACK CT, SAINT LOUIS, MO 63129-3450
Document Number	0227183977
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4122 SADDLE BACK CT ST LOUIS MO 631293450, ST LOUIS, MO 63129-3450

Mortgage

Document Number	0227183977
Date	Oct 2, 2017
Book Page	022718/003977
Instrument	694

Lender

Name	FIRST GUARANTY MTG
Type	Funding / Finance Company
Address	CHICAGO, IL 60605

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Unified School District	Mehlville R-IX School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,160 (-) Land $22,310 Building $46,850	$364,000 (-) Land $117,400 Building $246,600
2025	$4,315.00 (+6.67%)	$69,160 (+14.79%) Land $22,310 Building $46,850	$364,000 (+14.79%) Land $117,400 Building $246,600
2024	$4,045.00 (+1.3%)
2023	$3,993.00 (+18.21%)	$60,250 (+16.74%) Land $10,220 Building $50,030	$317,100 (+16.75%) Land $53,800 Building $263,300
2022	$3,378.00	$51,610 Land $13,000 Building $38,610
2021			$271,600 Land $68,400 Building $203,200

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	30 (1979–2024)
Claims Outside the SFHA	3 of 30
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Flooding, Jul 2011 · 7 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 3 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 531 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

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