428 Oakley Dr, Saint Louis, MO 63105 Property Records

St. Louis County property record for 428 Oakley Dr, Saint Louis, MO 63105

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,039 sqft · built 1927
Lot Size	0.128 acres (5,589 sqft)
Owner	Individual Name on Record
Last Sale	$606,000 (Sep 2026)
Tax Bill	$7,190 (2025)
Deeds & Mortgages	Sep 2026 Construction Loan Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19J-43-0163`

Property Details

APN / Parcel Number

Primary APN	`19J-43-0163`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,039 sqft Living Area
1st Floor Area	675 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Colonial
Exterior Material	Brick
Foundation Type	Raised
Lot Area	5,589 sqft (0.128 acres)
Lot Dimensions	30 ft deep x 50 ft wide
Terrain	Above Road/Slope
View / Lot	Cul-De-Sac
Garage Type	Open
Garage Area	336 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	108 sqft
Patio Area	35 sqft
Poultry House	35 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	428 OAKLEY DR
City	SAINT LOUIS
State	MO
Zip	63105-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	14R-2
Legal Description	WYDOWN FOREST LOT 9
Legal Subdivision	WYDOWN FOREST
Legal Block	C
Legal Lot Number	9
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	2
Census Block	2005
Census Tract	216401

Owner

Source: St. Louis County records, as of October 2, 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	428 OAKLEY DR, SAINT LOUIS, MO 63105-2018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Special Warranty Deed, Construction Loan · Construction Mortgage BELGRADE STATE BANK
Oct 4, 2019	Deed of Trust, Mortgage COMMERCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2026 · Amount on Record
Deed Sale	Sep 21, 2026 · Amount on Record
Prior Sale	Sep 19, 2006 · Amount on Record
Deed Document Number	2026636
Prior Transfer Date	Mar 18, 2010
Prior Transfer Doc	0188590475
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 21, 2026
Property Address	428 OAKLEY DR, SAINT LOUIS, MO 63105-2018
Document Number	0000000636
Instrument Date	Sep 18, 2026
Instrument	2026921636
Transaction Type	Construction Loan
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 OAKLEY DR, SAINT LOUIS, MO 63105-2018
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000637,
Date	Sep 21, 2026
Instrument	2026921637

Lender

Name	BELGRADE STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 18, 2027

Interest

Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	428 OAKLEY DR, SAINT LOUIS, MO 63105-2018
Document Number	0237363749
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	428 OAKLEY DR ST LOUIS MO 631052018, ST LOUIS, MO 63105-2018

Mortgage

Document Number	0237363749
Date	Oct 10, 2019
Book Page	023736/003749
Instrument	720

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Clayton City
County	St. Louis County
Unified School District	Clayton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,340 (-) Land $91,310 Building $23,030	$601,800 (-) Land $480,600 Building $121,200
2025	$7,190.00 (+1.45%)	$114,340 (+9.91%) Land $91,310 Building $23,030	$601,800 (+9.92%) Land $480,600 Building $121,200
2024	$7,087.00 (+0.11%)
2023	$7,079.00 (+1.1%)	$104,030 (+6.46%) Land $72,090 Building $31,940	$547,500 (+6.46%) Land $379,400 Building $168,100
2022	$7,002.00	$97,720 Land $57,670 Building $40,050
2021			$514,300 Land $303,500 Building $210,800

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	2 in force

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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile, Wisper ISP.

Nearby Properties on Oakley Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures