438 Central Pl, Saint Louis, MO 63122 Property Records

St. Louis County property record for 438 Central Pl, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,328 sqft · built 1939
Lot Size	0.265 acres (11,552 sqft)
Owner	2 Trust Names on File
Last Sale	$685,615 (Dec 2025)
Tax Bill	$7,508 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23N-62-1623`

Property Details

APN / Parcel Number

Primary APN	`23N-62-1623`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,328 sqft Living Area
1st Floor Area	952 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod
Exterior Material	Brick
Foundation Type	Raised
Lot Area	11,552 sqft (0.265 acres)
Lot Dimensions	78 ft deep x 76 ft wide
View / Lot	Cul-De-Sac
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	14 sqft
Deck Area	52 sqft
Patio Area	360 sqft
Balcony Area	18 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	438 CENTRAL PL
City	SAINT LOUIS
State	MO
Zip	63122-3929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R4
Legal Description	CENTRAL PLACE LOT PT 11 (23N620413 4 8 75)
Legal Subdivision	CENTRAL PLACE
Legal Lot Number	11
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	3
Census Block	3004
Census Tract	218402

Owner

438 Central Pl is owner-occupied and held in a trust since January 2026.

Source: St. Louis County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Jul 16, 2025	Intrafamily Transfer, Transfer
Jun 7, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 21, 2018	Warranty Deed, Transfer PARAMOUNT BOND & MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on File
Deed Sale	Dec 19, 2025 · Amount on File
Prior Sale	Jun 7, 2023 · Amount on File
Deed Document Number	2025251
Last Transfer Date	Jan 30, 2026
Transfer Doc	0000000202
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MO
Recording Date	Dec 19, 2025
Property Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929
Document Number	2025121900251
Map Reference	MB 20 PG 78
Instrument Date	Dec 15, 2025
Instrument	2025121900251
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929

Mortgage

Document Number	2025121900252
Date	Dec 19, 2025
Instrument	2025121900252

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MO
Recording Date	Jul 16, 2025
Property Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929
Document Number	2025071600080
Map Reference	MB 20 PG 78
Instrument Date	Jul 11, 2025
Instrument	2025071600080
Transaction Type	Transfer
Record Updated	Oct 1, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jun 7, 2023
Property Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929
Document Number	2023060700282
Map Reference	MB 20 PG 78
Instrument Date	Jun 2, 2023
Instrument	2023060700282
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	OLD REPUBLIC TITLE, ORT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929

Mortgage

Document Number	2023060700283
Date	Jun 7, 2023
Instrument	2023060700283

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jun 21, 2018
Property Address	438 CENTRAL PL, SAINT LOUIS, MO 63122-3929
Document Number	0230781665
Book / Page	023078 / 001665
Instrument Date	Jun 15, 2018
Instrument	371
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	INVESTORS TITLE COMPANY-CLAYTON

Transaction

Amount	Amount on Record
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	438 CENTRAL PL KIRKWOOD MO 631223929, KIRKWOOD, MO 63122-3929

Mortgage

Document Number	230781668
Date	Jun 21, 2018
Book Page	023078/001668
Instrument	372

Lender

Name	PARAMOUNT BOND & MTG
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 438 Central Pl was $7,508, up 11.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Kirkwood City
Unified School District	Kirkwood R-VII School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$133,150 (-) Land $93,230 Building $39,920	$700,800 (-) Land $490,700 Building $210,100
2025	$7,508.00 (+11.36%)	$133,150 (+23.41%) Land $93,230 Building $39,920	$700,800 Land $490,700 Building $210,100
2024	$6,742.00 (+1.58%)	$107,890 (-) Land $74,580 Building $33,310
2023	$6,637.00 (+14.23%)	$107,890 (+21.91%) Land $74,580 Building $33,310	$567,800 Land $392,500 Building $175,300
2022	$5,810.00	$88,500 Land $62,510 Building $25,990
2021			$465,800 Land $329,000 Building $136,800

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

FEMA maps place 438 Central Pl in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 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

The area around 438 Central Pl has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 486 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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