421 Spears St, Saint Louis, MO 63127 Property Records

St. Louis County property record for 421 Spears St, Saint Louis, MO 63127

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,256 sqft · built 2016
Lot Size	0.689 acres (30,013 sqft)
Owner	Individual Name on Record
Tax Bill	$5,806 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25M-52-2235`

Property Details

APN / Parcel Number

Primary APN	`25M-52-2235`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,256 sqft Living Area
1st Floor Area	2,256 sqft
Family Room	Family Room

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	30,013 sqft (0.689 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	239 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	421 SPEARS ST
City	SAINT LOUIS
State	MO
Zip	63127-1133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	101R-6
Legal Description	MEACHAM PARK BLK 43 LOTS 8 THRU 13 & 32 THRU 37 LOT CONSOLIDATION NEW TRACT A
Legal Subdivision	MEACHAM PARK BLK 43 LOTS 8 THRU 13 & 32
Legal Tract	A
Legal Block	43
Legal Lot Number	8-13,
Jurisdiction	ST LOUIS MO
Township / Civil Division	GRAVOIS
Census Block Group	2
Census Block	2013
Census Tract	221000

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	Individual Name on Record
Mailing Address	421 SPEARS ST, SAINT LOUIS, MO 63127-1133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2018
Deed Sale	Jul 10, 2018
Prior Sale	Apr 25, 2017 · Amount on Record
Deed Document Number	2018605
Deed Book / Page	23103 / 598
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	421 SPEARS ST, SAINT LOUIS, MO 63127-1133
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SPEARS ST, SAINT LOUIS, MO 63127-1133

Mortgage

Document Number	0244245541
Date	Nov 9, 2020
Book Page	24424/5541
Instrument	2020110900840

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	Sunset Hills City
Unified School District	Kirkwood R-VII School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$99,610 (-) Land $22,550 Building $77,060	$524,300 (-) Land $118,700 Building $405,600
2025	$5,806.00 (+3.03%)	$99,610 (+14.01%) Land $22,550 Building $77,060	$524,300 (+14.03%) Land $118,700 Building $405,600
2024	$5,635.00 (+1.6%)
2023	$5,546.00 (-5.76%)	$87,370 (+9.54%) Land $9,980 Building $77,390	$459,800 (+9.53%) Land $52,500 Building $407,300
2022	$5,885.00	$79,760 Land $18,050 Building $61,710
2021			$419,800 Land $95,000 Building $324,800

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	9 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Mar 1978 · tidal / storm surge

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	KIRKWOOD PWS serves 28,000 people · EPA ID MO6010430
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Mar 2026
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 472 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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