Jefferson County property record for 4408 Ridge Dr, High Ridge, MO 63049
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,038 sqft · built 1962 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,300 (Oct 2018) |
| Tax Bill | $1,916 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023.006.04015003 |
| Primary APN | 023.006.04015003 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,038 sqft Living Area |
| Gross Area | 2,758 sqft |
| 1st Floor Area | 2,038 sqft |
| Basement Area | 550 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Construction Type | Frame |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Porch | Open Frame Porch |
| Porch Area | 248 sqft |
| Patio Area | 189 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4408 RIDGE DR |
|---|---|
| City | HIGH RIDGE |
| State | MO |
| Zip | 63049-1935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R09 |
| Legal Description | OAK HILL RESURVEY LOT A |
| Legal Range | 5E |
| Legal Township | 43N |
| Legal Section | 06 |
| Legal Subdivision | OAK HILL RESURVEY |
| Legal Block | 3 |
| Legal Lot Number | A |
| Jurisdiction | JEFFERSON MO |
| Township / Civil Division | ROCK |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 700303 |
4408 Ridge Dr is owned and occupied by two individuals who bought it in October 2018.
Source: Jefferson County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4408 RIDGE DR, HIGH RIDGE, MO 63049-1935 |
| 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 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Apr 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Oct 23, 2018 | Quit Claim Deed, Mortgage · FHA Mortgage ENDEAVOR CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2018 · Amount on File |
| Deed Sale | Oct 23, 2018 · Amount on File |
| Prior Sale | Dec 7, 2015 · Amount on File |
| Deed Document Number | 201832362 |
| Prior Transfer Date | Oct 15, 2018 |
| Prior Transfer Doc | 2018R032362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Recording Date | Jul 23, 2026 |
| Property Address | 4408 RIDGE DR, HIGH RIDGE, MO 63049-1935 |
| Document Number | 0000020069 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202620069 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | GUARANTEE TITLE, GUARANTEED RATE |
| Name | Verified Name |
|---|---|
| Address | 4408 RIDGE DR, HIGH RIDGE, MO 63049-1935 |
| Document Number | 0000020069, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 202620069 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Property Address | 4408 RIDGE DR, HIGH RIDGE, MO 63049-1935 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000011227 |
|---|---|
| Date | Apr 4, 2022 |
| Instrument | 2022R-011227 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Recording Date | Oct 23, 2018 |
| Property Address | 4408 RIDGE DR, HIGH RIDGE, MO 63049-1935 |
| Document Number | 0000032362 |
| Instrument Date | Oct 15, 2018 |
| Instrument | 32362 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2018 |
| Title Company | CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4408 RIDGE DR HIGH RIDGE MO 630491935, HIGH RIDGE, MO 63049-1935 |
| Document Number | 32363 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 32363 |
| Name | ENDEAVOR CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 22, 2048 |
The 2025 property tax bill for 4408 Ridge Dr was $1,916, up 4.9% from the year before.
Source: Jefferson County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Jefferson County |
| Unified School District | Northwest R-I School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $26,900 (-) Land $1,900 Building $25,000 | $141,900 (-) Land $10,200 Building $131,700 | |
| 2025 | $1,916.00 (+4.93%) | $26,900 Land $1,900 Building $25,000 | $141,900 (-) Land $10,200 Building $131,700 |
| 2024 | $1,826.00 (+0.5%) | $141,900 (+6.37%) Land $10,200 Building $131,700 | |
| 2023 | $1,817.00 | $25,300 Land $1,900 Building $23,400 | $133,400 Land $10,200 Building $123,200 |
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 4408 Ridge Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.
Source: FEMA National Flood Hazard Layer, effective October 2, 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 |
| Nearby Flood Claims | 8 (1982–1993) |
| Most Recent Claim | Jul 1993 · Severe Storms & Flooding |
| Claims by Event |
|
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 risk around 4408 Ridge Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | JEFFERSON COUNTY PWSD 2 serves 16,548 people · EPA ID MO6024293 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2022 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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