4609 Elder Rd, Villa Ridge, MO 63089 Property Records

Franklin County property record for 4609 Elder Rd, Villa Ridge, MO 63089

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,266 sqft · built 2006
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$1,040,000 (Dec 2017)
Tax Bill	$12,020 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`18-1-01.2-0-001-004.400`

Property Details

APN / Parcel Number

Primary APN	`18-1-01.2-0-001-004.400`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,266 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Brick
Lot Area	435,600 sqft (10 acres)

Location & Zoning

Street Address	4609 ELDER RD
City	VILLA RIDGE
State	MO
Zip	63089-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	LOT:1 LABADIE CREEK ESTATES
Legal Range	1E
Legal Township	43N
Legal Section	1
Legal Subdivision	LABADIE CREEK ESTATES
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOLES
Census Block Group	1
Census Block	1024
Census Tract	800101

Owner

Source: Franklin County assessment roll, as of November 11, 2025

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 File
Mailing Address	4609 ELDER RD, VILLA RIDGE, MO 63089-1430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF WA
Dec 6, 2017	Warranty Deed, Transfer · Line of Credit BANK OF WA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 6, 2017 · Amount on Record
Deed Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	201718463
Last Transfer Date	Jan 18, 2022
Transfer Doc	0000001297
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	4609 ELDER RD, VILLA RIDGE, MO 63089-1430
Document Number	0000002253
Instrument Date	Dec 4, 2017
Transaction Type	Mortgage
Record Updated	Mar 1, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10022 VIA SAN MARCO LOOP FORT MYERS FL 339055411, FORT MYERS, FL 33905-5411

Mortgage

Document Number	0000002253
Date	Feb 23, 2018
Instrument	2253

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 22, 2033

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 6, 2017
Property Address	4609 ELDER RD, VILLA RIDGE, MO 63089-1430
Document Number	0000018463
Instrument Date	Dec 4, 2017
Instrument	18463
Transaction Type	Transfer
Record Updated	Dec 11, 2017

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4609 ELDER RD VILLA RIDGE MO 630891430, VILLA RIDGE, MO 63089-1430

Mortgage

Document Number	18464
Date	Dec 6, 2017
Instrument	18464

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Unified School District	Meramec Valley R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,020.00 (+20.77%)	$155,938 (+11.22%)	$821,960 (+11.19%) Land $21,580 Building $800,380
2023	$9,953.00 (+1.8%)	$140,206	$739,230 Land $19,580 Building $719,650
2022	$9,777.00

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

Source: FEMA National Flood Hazard Layer, effective June 4, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 55% of Missouri
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon, Wisper ISP.

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