4782 Werner Rd, High Ridge, MO 63049 Property Records

Jefferson County property record for 4782 Werner Rd, High Ridge, MO 63049

Property Summary

Property Type	Single Family Home
Details	1,578 sqft · built 2022
Lot Size	7.71 acres (335,848 sqft)
Owner	2 Individual Names on File
Last Sale	$562,590 (Feb 2022)
Tax Bill	$4,345 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-4.0-18.0-3-001-002.01`

Property Details

APN / Parcel Number

Primary APN	`02-4.0-18.0-3-001-002.01`

Interior

Stories	1 Story
Building Area	1,578 sqft Living Area
Gross Area	2,106 sqft
1st Floor Area	1,578 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	335,848 sqft
Garage Type	Attached
Garage Area	528 sqft

Location & Zoning

Street Address	4782 WERNER RD
City	HIGH RIDGE
State	MO
Zip	63049-2877
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W1/2 LOT 1 SW1/4
Legal Range	5E
Legal Township	43N
Legal Section	18
Legal Block	2
Legal Lot Number	1
Jurisdiction	JEFFERSON MO
Township / Civil Division	ROCK
Census Block Group	2
Census Block	2006
Census Tract	700211

Owner

4782 Werner Rd is owned and occupied by two individuals who bought it in February 2022.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4782 WERNER RD, HIGH RIDGE, MO 63049-2877
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
Apr 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU
Feb 14, 2022	Intrafamily Transfer, Transfer · Line of Credit FARMERS AND MERCHANTS BANK OF ST CL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2022 · Amount on File
Deed Sale	Feb 14, 2022 · Amount on File
Deed Document Number	20225169
Prior Transfer Date	Feb 4, 2022
Prior Transfer Doc	0000005169
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	4782 WERNER RD, HIGH RIDGE, MO 63049-2877
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4782 WERNER RD, HIGH RIDGE, MO 63049-2877

Mortgage

Document Number	0000008298
Date	Apr 7, 2023
Instrument	2023R-008298

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.64%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	3.64%
Max Rate At Change	7.64%
Index	1-Year CMT
Max Rate	10.6%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	Feb 14, 2022
Property Address	4782 WERNER RD, HIGH RIDGE, MO 63049-2877
Document Number	0000005169
Instrument Date	Feb 4, 2022
Instrument	2022R-005169
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4782 WERNER RD, HIGH RIDGE, MO 63049-2877

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4782 WERNER RD, HIGH RIDGE, MO 63049-2877

Mortgage

Document Number	0000005170
Date	Feb 14, 2022
Instrument	2022R-005170

Lender

Name	FARMERS AND MERCHANTS BANK OF ST CL
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4782 Werner Rd was $4,345.

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Northwest R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,000 (-) Land $7,000 Building $54,000	$321,300 Land $37,100 Building $284,200
2025	$4,345.00	$61,000 Land $7,000 Building $54,000
2024			$321,300 (+39.76%) Land $37,100 Building $284,200
2023	$3,131.00	$43,600 Land $7,000 Building $36,600	$229,900 Land $37,100 Building $192,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4782 Werner Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective October 2, 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 Claims	14 (1980–2021)
Claims Outside the SFHA	4 of 14
Most Recent Claim	Jan 2021
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 2 claims Severe Storms, Tornadoes, And Flooding, Nov 1993 · 2 claims Severe Storms & Flooding, Sep 1993 · 3 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 4782 Werner Rd is low, with a 0.03% 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	0.03% 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	JEFFERSON COUNTY PWSD 2 serves 16,548 people · EPA ID MO6024293
Water Source	Surface water
Last State Inspection	Nov 2022
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Werner Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures