46 Picardy Ln, Saint Louis, MO 63124 Property Records

St. Louis County property record for 46 Picardy Ln, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,175 sqft · built 1949
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Tax Bill	$14,806 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19M-61-0142`

Property Details

APN / Parcel Number

Primary APN	`19M-61-0142`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,175 sqft Living Area
Gross Area	3,635 sqft
1st Floor Area	1,134 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Colonial
Exterior Material	Brick
Foundation Type	Raised
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	100 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	40 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	46 PICARDY LN
City	SAINT LOUIS
State	MO
Zip	63124-1629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33C
Legal Description	EXERMONT PARK LOT PT X RESUB LOT 46
Legal Subdivision	EXERMONT PARK LOT PT X RESUB
Legal Lot Number	46
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	5
Census Block	5008
Census Tract	215400

Owner

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	2 Individual Names on Record
Mailing Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK
Aug 16, 2021	Deed of Trust, Mortgage · Line of Credit PARAMOUNT BANK
Jul 2, 2019	Deed of Trust, Mortgage · Line of Credit PARKSIDE FIN'L BK&TR
Jun 27, 2019	Deed of Trust, Mortgage PARAMOUNT BK
Feb 2, 2018	Deed of Trust, Mortgage PARAMOUNT BK
Sep 15, 2017	Loan Modification, Mortgage PARKSIDE FIN'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2020
Deed Sale	Aug 7, 2020
Prior Sale	Sep 18, 2008 · Amount on Record
Deed Document Number	20201358
Deed Book / Page	24186 / 572
Prior Transfer Date	Jul 6, 2020
Prior Transfer Doc	0241860572
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO CLAYTON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629

Mortgage

Document Number	0250422416
Date	Aug 10, 2021
Book Page	25042/2416
Instrument	2021081000431

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO CLAYTON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629

Mortgage

Document Number	0250544795
Date	Aug 16, 2021
Book Page	25054/4795
Instrument	2021081600879

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	HAZELWOOD, MO 63042

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629
Document Number	0237350488
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 PICARDY LN ST LOUIS MO 631241629, ST LOUIS, MO 63124-1629

Mortgage

Document Number	0237350488
Date	Oct 11, 2019
Book Page	023735/000488
Instrument	586

Lender

Name	PARKSIDE FIN'L BK&TR
Type	Bank
Address	CLAYTON, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629
Document Number	0235970208
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 PICARDY LN ST LOUIS MO 631241629, ST LOUIS, MO 63124-1629

Mortgage

Document Number	0235970208
Date	Jul 5, 2019
Book Page	023597/000208
Instrument	612

Lender

Name	PARAMOUNT BK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629
Document Number	0229050525
Book / Page	022905 / 000525
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Feb 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 PICARDY LN ST LOUIS MO 631241629, ST LOUIS, MO 63124-1629

Mortgage

Document Number	0229050525
Date	Feb 16, 2018
Book Page	022905/000525
Instrument	497

Lender

Name	PARAMOUNT BK
Type	Bank
Address	HAZELWOOD, MO 63042

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MO
Property Address	46 PICARDY LN, SAINT LOUIS, MO 63124-1629
Document Number	0226961364
Book / Page	022696 / 001364
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 PICARDY LN ST LOUIS MO 631241629, ST LOUIS, MO 63124-1629

Mortgage

Document Number	0226961364
Date	Sep 15, 2017
Book Page	022696/001364
Instrument	283

Lender

Name	PARKSIDE FIN'L BK&TR
Type	Bank
Address	CLAYTON, MO 63105

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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		$228,000 (-27.2%) Land $190,000 Building $38,000	$1,200,000 (-27.2%) Land $1,000,000 Building $200,000
2025	$14,806.00 (+23.85%)	$313,180 (+76.79%) Land $226,270 Building $86,910	$1,648,300 (+76.78%) Land $1,190,900 Building $457,400
2024	$11,955.00 (+0.18%)
2023	$11,933.00 (-1.36%)	$177,150 (+2.39%) Land $98,380 Building $78,770	$932,400 (+2.39%) Land $517,800 Building $414,600
2022	$12,097.00	$173,010 Land $97,430 Building $75,580
2021			$910,600 Land $512,800 Building $397,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	8 in force
Nearby Flood Claims	9 (1979–2014)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Sep 2014 · river or lake flooding

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

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 93 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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