413 Cardiff Ln, Manchester (Ballwin), MO 63021 Property Records

St. Louis County property record for 413 Cardiff Ln, Manchester, MO 63021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,576 sqft · built 1969
Lot Size	0.246 acres (10,724 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,000 (May 2021)
Tax Bill	$3,671 (2025)
Deeds & Mortgages	Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23R-33-0457`

Property Details

APN / Parcel Number

Primary APN	`23R-33-0457`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,576 sqft Living Area
Gross Area	2,156 sqft
1st Floor Area	1,240 sqft
Family Room	Family Room

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,724 sqft (0.246 acres)
Lot Dimensions	76 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	70 sqft
Deck Area	628 sqft
Patio Area	628 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	413 CARDIFF LN
City	MANCHESTER
State	MO
Zip	63021-5116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	94R-1
Legal Description	WINSTON PARK LOT 142
Legal Subdivision	WINSTON PARK
Legal Lot Number	142
Jurisdiction	ST LOUIS MO
Township / Civil Division	QUEENY
Census Block Group	2
Census Block	2017
Census Tract	217931

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	413 CARDIFF LN, MANCHESTER, MO 63021-5116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Prior Sale	Sep 2, 2010 · Amount on Record
Deed Document Number	2021650
Deed Book / Page	24876 / 4291
Prior Transfer Date	Jan 5, 2001
Prior Transfer Doc	0000000714
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	413 CARDIFF LN, MANCHESTER, MO 63021-5116
Document Number	0233040046
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3053 DELAVAN DR ST LOUIS MO 631214611, ST LOUIS, MO 63121-4611

Mortgage

Document Number	0233040046
Date	Dec 4, 2018
Book Page	023304/000046
Instrument	6

Lender

Name	HAMACHER SAMUEL A TRUST (RT)
Address	948 KINGSCOVE CT, CHESTERFIELD, MO 63017-8350

Agreement

Amount	Amount Recorded

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	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		$56,510 (-) Land $28,790 Building $27,720	$297,400 (-) Land $151,500 Building $145,900
2025	$3,671.00 (+14.15%)	$56,510 (+20.72%) Land $28,790 Building $27,720	$297,400 (+20.7%) Land $151,500 Building $145,900
2024	$3,216.00 (-0.86%)
2023	$3,244.00 (+2.5%)	$46,810 (+9.73%) Land $21,580 Building $25,230	$246,400 (+9.76%) Land $113,600 Building $132,800
2022	$3,165.00	$42,660 Land $23,750 Building $18,910
2021			$224,500 Land $125,000 Building $99,500

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2015 · rainfall accumulation

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 99.8% of the US · lower than 99.6% 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 401 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 · DSL 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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