445 Par Ln, Saint Louis, MO 63122 Property Records

St. Louis County property record for 445 Par Ln, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,011 sqft · built 1941
Lot Size	0.185 acres (8,050 sqft)
Owner	Individual Name on File
Last Sale	$182,200 (Nov 2001)
Tax Bill	$6,584 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23M-54-0846`

Property Details

APN / Parcel Number

Primary APN	`23M-54-0846`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,011 sqft Living Area
Gross Area	3,827 sqft
1st Floor Area	864 sqft
Basement Area	585 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1982
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,050 sqft (0.185 acres)
Lot Dimensions	115 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	482 sqft
Patio Area	122 sqft
Balcony Area	10 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	445 PAR LN
City	SAINT LOUIS
State	MO
Zip	63122-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R4
Legal Description	WOODLAWN COUNTRY CLUB GROUNDS LOT 2
Legal Subdivision	WOODLAWN COUNTRY CLUB GROUNDS
Legal Lot Number	2
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	5
Census Block	5012
Census Tract	218500

Owner

445 Par Ln is owned and occupied by an individual who bought it in November 2001.

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

Owner of Record	Individual Name on File
Mailing Address	445 PAR LN, SAINT LOUIS, MO 63122-2938
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK NA
Jun 4, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2001 · Amount on File
Deed Sale	Nov 27, 2001 · Amount on File
Prior Sale	Jun 14, 2000 · Amount on File
Deed Document Number	2001715
Deed Book / Page	13419 / 1820
Prior Transfer Date	Nov 19, 2001
Prior Transfer Doc	0000000715
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	445 PAR LN, SAINT LOUIS, MO 63122-2938
Transaction Type	Mortgage
Record Updated	Nov 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 PAR LN, KIRKWOOD, MO 63122-2938

Mortgage

Document Number	0250585096
Date	Aug 17, 2021
Book Page	25058/5096
Instrument	2021081700843

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	445 PAR LN, SAINT LOUIS, MO 63122-2938
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0247420461
Date	Mar 22, 2021
Book Page	24742/461
Instrument	2021032200966

Lender

Name	FIDELITY BANK NA
Type	Bank
Address	WICHITA, KS 67202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	445 PAR LN, SAINT LOUIS, MO 63122-2938
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 PAR LN, SAINT LOUIS, MO 63122-2938

Mortgage

Document Number	0240783997
Date	Jun 4, 2020
Book Page	24078/3997
Instrument	2020060400540

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 445 Par Ln was $6,584, up 8.2% 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		$116,610 (-) Land $55,560 Building $61,050	$613,700 (-) Land $292,400 Building $321,300
2025	$6,584.00 (+8.24%)	$116,610 Land $55,560 Building $61,050	$613,700 Land $292,400 Building $321,300
2024	$6,083.00 (+1.6%)
2023	$5,987.00 (+3.49%)	$96,970 (+10.39%) Land $39,670 Building $57,300	$510,400 Land $208,800 Building $301,600
2022	$5,785.00	$87,840 Land $40,810 Building $47,030
2021			$462,300 Land $214,800 Building $247,500

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 445 Par Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	2 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2022 · 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.

Wildfire

The area around 445 Par Ln 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 662 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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