45 Clermont Ln, Saint Louis, MO 63124 Property Records

St. Louis County property record for 45 Clermont Ln, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,790 sqft · built 1958
Lot Size	0.622 acres (27,094 sqft)
Owner	2 Individual Names on File
Last Sale	$915,000 (Mar 2022)
Tax Bill	$11,826 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18M-21-0312`

Property Details

APN / Parcel Number

Primary APN	`18M-21-0312`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,790 sqft Living Area
1st Floor Area	2,370 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Lot Area	27,094 sqft (0.622 acres)
Lot Dimensions	172 ft deep x 180 ft wide
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	2 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Open Frame Porch
Porch Area	752 sqft
Balcony Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 CLERMONT LN
City	SAINT LOUIS
State	MO
Zip	63124-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33C
Legal Description	CLERMONT ESTATES LOT 45
Legal Subdivision	CLERMONT ESTATES
Legal Lot Number	45
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	1
Census Block	1006
Census Tract	215400

Owner

45 Clermont Ln is owned and occupied by two individuals who bought it in March 2022.

Source: St. Louis County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 CLERMONT LN, SAINT LOUIS, MO 63124-1350
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2022 · Amount on File
Deed Sale	Mar 9, 2022 · Amount on File
Prior Sale	Sep 18, 2015 · Amount on File
Deed Document Number	202239713
Deed Book / Page	25394 / 4036
Prior Transfer Date	Jan 31, 2014
Prior Transfer Doc	0208640526
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Mar 9, 2022
Property Address	45 CLERMONT LN, SAINT LOUIS, MO 63124-1350
Document Number	0253944036
Book / Page	25394 / 4036
Map Reference	MB 29 PG 16
Instrument Date	Mar 8, 2022
Instrument	2022030900713
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO CLAYTON

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
Address	200 S BRENTWOOD BLVD # BLVD11AB, 200, CLAYTON, MO 63105-1601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CLERMONT LN, SAINT LOUIS, MO 63124-1350

Mortgage

Document Number	2022030900714
Date	Mar 9, 2022
Instrument	2022030900714

Lender

Name	GREAT SOUTHERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.7%
Index	1-Year CMT
Max Rate	7.7%

Tax Assessment & Valuation

The 2025 property tax bill for 45 Clermont Ln was $11,826, up 18.4% 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	Ladue City
Unified School District	Ladue School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,120 (-) Land $130,930 Building $51,190	$958,500 (-) Land $689,100 Building $269,400
2025	$11,826.00 (+18.38%)	$182,120 Land $130,930 Building $51,190	$958,500 Land $689,100 Building $269,400
2024	$9,990.00 (+0.19%)
2023	$9,971.00	$148,030 Land $96,200 Building $51,830	$779,100 Land $506,300 Building $272,800

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 45 Clermont Ln in Zone X, an area of minimal flood risk, though there have been 107 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	107 (1978–2022)
Claims Outside the SFHA	30 of 107
Most Recent Claim	Aug 2022 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2022 · 15 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 17 claims Severe Storms & Flooding, Aug 1993 · 16 claims

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

Wildfire risk around 45 Clermont Ln is low, with less than 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 99.1% of the US · lower than 98.2% 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20