434 Essen Ln, Ballwin, MO 63021 Property Records

St. Louis County property record for 434 Essen Ln, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,182 sqft · built 1955
Lot Size	0.483 acres (21,018 sqft)
Owner	Individual Name on Record
Tax Bill	$3,152 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23R-41-0308`

Property Details

APN / Parcel Number

Primary APN	`23R-41-0308`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,182 sqft Living Area
Gross Area	1,938 sqft
1st Floor Area	1,182 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	21,018 sqft (0.483 acres)
Lot Dimensions	138 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	252 sqft
Patio Area	270 sqft
Poultry House	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	434 ESSEN LN
City	BALLWIN
State	MO
Zip	63021-4937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-1
Legal Description	HILL VIEW PLAT 1 LOT 36
Legal Subdivision	HILL VIEW PLAT 1
Legal Lot Number	36
Jurisdiction	ST LOUIS MO
Township / Civil Division	WILDHORSE
Census Block Group	1
Census Block	1001
Census Tract	217923

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	434 ESSEN LN, BALLWIN, MO 63021-4937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Line of Credit UNITED BANK
May 21, 2025	Deed of Trust, Mortgage · Line of Credit UNITED BANK OF UNION
Apr 24, 2023	Beneficiary Deed, Transfer
Oct 13, 2020	Grant Deed, Transfer UNITED CMNTY BK
Sep 16, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 16, 2023
Transfer Doc	0000000365
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	434 ESSEN LN, BALLWIN, MO 63021-4937
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 ESSEN LN, BALLWIN, MO 63021-4937

Mortgage

Document Number	2023051500164
Date	May 15, 2023
Instrument	2023051500164

Lender

Name	UNITED BANK
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	434 ESSEN LN, BALLWIN, MO 63021-4937
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 ESSEN LN, BALLWIN, MO 63021-4937

Mortgage

Document Number	2025052100186
Date	May 21, 2025
Instrument	2025052100186

Lender

Name	UNITED BANK OF UNION
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jun 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST LOUIS MO
Recording Date	Apr 24, 2023
Property Address	434 ESSEN LN, BALLWIN, MO 63021-4937
Document Number	2023042400365
Map Reference	MB 63 PG 48
Instrument Date	Apr 16, 2023
Instrument	2023042400365
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 ESSEN LN, BALLWIN, MO 63021-4937

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MO
Recording Date	Oct 13, 2020
Property Address	434 ESSEN LN, BALLWIN, MO 63021-4937
Document Number	0243740479
Book / Page	024374 / 000479
Instrument Date	Sep 22, 2020
Instrument	37
Transaction Type	Transfer
Record Updated	Jan 7, 2021
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 ESSEN LN BALLWIN MO 630214937, BALLWIN, MO 63021-4937

Mortgage

Document Number	243740482
Date	Oct 13, 2020
Book Page	024374/000482
Instrument	38

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	UNION, MO 63084

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 16, 2019
Property Address	434 ESSEN LN, BALLWIN, MO 63021-4937
Document Number	0236980657
Book / Page	023698 / 000657
Instrument Date	Sep 5, 2019
Instrument	112
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	434 ESSEN LN BALLWIN MO 630214937, BALLWIN, MO 63021-4937

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Ballwin City
County	St. Louis County
Unified School District	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,480 (-) Land $26,240 Building $26,240	$276,200 (-) Land $138,100 Building $138,100
2025	$3,152.00 (+0.06%)	$52,480 (+16.88%) Land $26,240 Building $26,240	$276,200 (+16.89%) Land $138,100 Building $138,100
2024	$3,150.00 (+0.1%)
2023	$3,147.00 (+13.61%)	$44,900 (+21.25%) Land $21,850 Building $23,050	$236,300 (+21.24%) Land $115,000 Building $121,300
2022	$2,770.00	$37,030 Land $21,850 Building $15,180
2021			$194,900 Land $115,000 Building $79,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	2 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jul 2024 · river or lake flooding

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 98% of the US · lower than 96% 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 234 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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