St. Louis County property record for 428 Bluff Meadow Dr, Ellisville, MO 63021
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,698 sqft · built 1990 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,000 (Sep 2019) |
| Tax Bill | $6,451 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24T-44-0322 |
| Primary APN | 24T-44-0322 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,698 sqft Living Area |
| Gross Area | 5,182 sqft |
| 1st Floor Area | 2,300 sqft |
| Basement Area | 1,168 sqft |
| Finished Basement | 1,168 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 20,473 sqft (0.47 acres) |
| Lot Dimensions | 91 ft deep x 90 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 278 sqft |
| Deck Area | 28 sqft |
| Patio Area | 192 sqft |
| Balcony Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 428 BLUFF MEADOW DR |
|---|---|
| City | ELLISVILLE |
| State | MO |
| Zip | 63021-5993 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 19R-1 |
| Legal Description | OAKS ON KIEFER CREEK (THE) 9 26 89 LOT 42 |
| Legal Subdivision | OAKS ON KIEFER CREEK (THE) |
| Legal Lot Number | 42 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | WILDHORSE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 217921 |
428 Bluff Meadow Dr is owned and occupied by two individuals who bought it in September 2019.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 BLUFF MEADOW DR, ELLISVILLE, MO 63021-5993 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 11, 2025 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE AFFINITY LLC |
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Sep 9, 2019 | Warranty Deed, Transfer GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2019 · Amount on File |
| Deed Sale | Sep 9, 2019 · Amount on File |
| Prior Sale | Aug 30, 2013 · Amount on File |
| Deed Document Number | 201937 |
| Deed Book / Page | 23688 / 242 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 428 BLUFF MEADOW DR, ELLISVILLE, MO 63021-5993 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 428 BLUFF MEADOW DR, ELLISVILLE, MO 63021-5993 |
| Document Number | 2025071100198 |
|---|---|
| Date | Jul 11, 2025 |
| Instrument | 2025071100198 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 428 BLUFF MEADOW DR, ELLISVILLE, MO 63021-5993 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2026 |
| Title Company | UNKNOWN, US TTL CHESTERFIELD VALLEY |
| Name | Verified Name |
|---|---|
| Address | 428 BLUFF MEADOW DR, ELLISVILLE, MO 63021-5993 |
| Document Number | 0252923982 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 25292/3982 |
| Instrument | 2021122700496 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Sep 9, 2019 |
| Property Address | 428 BLUFF MEADOW DR, ELLISVILLE, MO 63021-5993 |
| Document Number | 0236880242 |
| Book / Page | 023688 / 000242 |
| Instrument Date | Sep 4, 2019 |
| Instrument | 37 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2019 |
| Title Company | US TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 428 BLUFF MEADOW DR ELLISVILLE MO 630215993, ELLISVILLE, MO 63021-5993 |
| Document Number | 236880245 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 023688/000245 |
| Instrument | 38 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 8, 2049 |
The 2025 property tax bill for 428 Bluff Meadow Dr was $6,451, up % from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | Ellisville City |
| Unified School District | Rockwood R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $99,220 (-) Land $27,300 Building $71,920 | $522,200 (-) Land $143,700 Building $378,500 | |
| 2025 | $6,451.00 (+0.03%) | $99,220 Land $27,300 Building $71,920 | $522,200 Land $143,700 Building $378,500 |
| 2024 | $6,449.00 (+0.08%) | ||
| 2023 | $6,444.00 (+7.27%) | $90,910 (+15.06%) Land $19,490 Building $71,420 | $478,500 Land $102,600 Building $375,900 |
| 2022 | $6,007.00 | $79,010 Land $17,560 Building $61,450 | |
| 2021 | $415,800 Land $92,400 Building $323,400 |
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.
FEMA maps place 428 Bluff Meadow Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 428 Bluff Meadow Dr is low, with a 0.02% annual chance of wildfire.
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 | 0.02% 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 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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