478 Xavier Ct, Valley Park, MO 63088 Property Records

St. Louis County property record for 478 Xavier Ct, Valley Park, MO 63088

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,105 sqft · built 1995
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$329,840 (Nov 2025)
Tax Bill	$4,150 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26Q-44-0453`

Property Details

APN / Parcel Number

Primary APN	`26Q-44-0453`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,105 sqft Living Area
1st Floor Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	105 ft deep x 36 ft wide
Garage Type	Attached
Garage Area	2 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	28 sqft
Deck Area	222 sqft
Patio Area	400 sqft
Balcony Area	145 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	478 XAVIER CT
City	VALLEY PARK
State	MO
Zip	63088-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	58PDR
Legal Description	MISSION HILLS ESTATES LOT 320
Legal Subdivision	MISSION HILLS ESTATES
Legal Lot Number	320
Jurisdiction	ST LOUIS MO
Township / Civil Division	QUEENY
Census Block Group	2
Census Block	2002
Census Tract	218102

Owner

478 Xavier Ct is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	478 XAVIER CT, VALLEY PARK, MO 63088-2323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 25, 2025	Warranty Deed, Transfer USTC, UST
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2025 · Amount on File
Deed Sale	Nov 25, 2025 · Amount on File
Prior Sale	Sep 6, 2011 · Amount on File
Deed Document Number	2025125
Prior Transfer Date	Apr 4, 2011
Prior Transfer Doc	0194391042
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	478 XAVIER CT, VALLEY PARK, MO 63088-2323
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 XAVIER CT, VALLEY PARK, MO 63088-2323

Mortgage

Document Number	2025111000194
Date	Nov 10, 2025
Instrument	2025111000194

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Nov 25, 2025
Property Address	478 XAVIER CT, VALLEY PARK, MO 63088-2323
Document Number	2025112500125
Map Reference	MB 320 PG 54
Instrument Date	Nov 20, 2025
Instrument	2025112500125
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	USTC, UST

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	778 STRATFORD RIDGE DRIVE, BALLWIN, MO 63021

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	478 XAVIER CT, VALLEY PARK, MO 63088-2323

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	478 XAVIER CT, VALLEY PARK, MO 63088-2323
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 XAVIER CT, VALLEY PARK, MO 63088-2323

Mortgage

Document Number	0247145630
Date	Mar 12, 2021
Book Page	24714/5630
Instrument	2021031200648

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 24, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 478 Xavier Ct was $4,150, up 14.3% 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	Valley Park City
Unified School District	Valley Park School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,270 (-) Land $20,080 Building $32,190	$275,100 (-) Land $105,700 Building $169,400
2025	$4,150.00 (+14.26%)	$52,270 (+20.91%) Land $20,080 Building $32,190	$275,100 Land $105,700 Building $169,400
2024	$3,632.00 (+0.72%)	$43,230 (-) Land $14,060 Building $29,170
2023	$3,606.00 (+8.75%)	$43,230 (+19.62%) Land $14,060 Building $29,170	$227,500 Land $74,000 Building $153,500
2022	$3,316.00	$36,140 Land $13,740 Building $22,400
2021			$190,200 Land $72,300 Building $117,900

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 478 Xavier Ct in Zone X, an area of minimal flood risk, though there have been 112 flood claims nearby since 1979.

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	6 in force
Nearby Flood Claims	112 (1979–2017)
Claims Outside the SFHA	2 of 112
Most Recent Claim	Apr 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 35 claims Severe Storms, Tornadoes, And Flooding, Nov 1993 · 3 claims Severe Storms & Flooding, Oct 1993 · 10 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 478 Xavier Ct 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.

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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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