St. Louis County property record for 438 Orchard Ave, Ballwin, MO 63021
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 948 sqft · built 1959 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Sep 2018) |
| Tax Bill | $2,603 (2025) |
| Deeds & Mortgages | Jul 2025 Second Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23R-62-0637 |
| Primary APN | 23R-62-0637 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 948 sqft Living Area |
| 1st Floor Area | 948 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 236 sqft |
| Carport | Carport |
| Carport Area | 236 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 276 sqft |
| Patio Area | 276 sqft |
| Utility Building | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 438 ORCHARD AVE |
|---|---|
| City | BALLWIN |
| State | MO |
| Zip | 63021-5234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 66R |
| Legal Description | MANCHESTER HILLS LOT 20 |
| Legal Subdivision | MANCHESTER HILLS |
| Legal Block | 19 |
| Legal Lot Number | 20 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | QUEENY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 217931 |
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 | 438 ORCHARD AVE, BALLWIN, MO 63021-5234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOGETHER CU |
| Sep 25, 2018 | Warranty Deed, Transfer GUILD MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2018 · Amount on Record |
| Deed Sale | Sep 25, 2018 · Amount on Record |
| Prior Sale | Apr 10, 2002 · Amount on Record |
| Deed Document Number | 2018279 |
| Deed Book / Page | 23210 / 1041 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 438 ORCHARD AVE, BALLWIN, MO 63021-5234 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 438 ORCHARD AVE, BALLWIN, MO 63021-5234 |
| Document Number | 2025073000474 |
|---|---|
| Date | Jul 30, 2025 |
| Instrument | 2025073000474 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 30, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Sep 25, 2018 |
| Property Address | 438 ORCHARD AVE, BALLWIN, MO 63021-5234 |
| Document Number | 0232101041 |
| Book / Page | 023210 / 001041 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 279 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2018 |
| Title Company | INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO-CLAYTON |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 ORCHARD AVE BALLWIN MO 630215234, BALLWIN, MO 63021-5234 |
| Document Number | 232101045 |
|---|---|
| Date | Sep 25, 2018 |
| Book Page | 023210/001045 |
| Instrument | 280 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 24, 2048 |
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | Winchester City |
| Unified School District | Parkway C-2 School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,780 (-) Land $23,940 Building $17,840 | $219,900 (-) Land $126,000 Building $93,900 | |
| 2025 | $2,603.00 (+10.72%) | $41,780 (+17.26%) Land $23,940 Building $17,840 | $219,900 (+17.28%) Land $126,000 Building $93,900 |
| 2024 | $2,351.00 (-0.84%) | ||
| 2023 | $2,371.00 | $35,630 Land $17,960 Building $17,670 | $187,500 Land $94,500 Building $93,000 |
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.
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 | 5 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2015 · rainfall accumulation |
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.
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.
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 426 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 · 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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