5 Whitegate Ln, Saint Louis, MO 63124 Property Records

St. Louis County property record for 5 Whitegate Ln, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,503 sqft · built 1950
Lot Size	0.979 acres (42,645 sqft)
Owner	2 Individual Names on File
Last Sale	$1,344,000 (Dec 2017)
Tax Bill	$18,397 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18L-34-0180`

Property Details

APN / Parcel Number

Primary APN	`18L-34-0180`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,503 sqft Living Area
Gross Area	6,295 sqft
1st Floor Area	900 sqft
Attic	Attic
Attic Area	665 sqft
Basement Area	627 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	42,645 sqft (0.979 acres)
Lot Dimensions	227 ft deep x 188 ft wide
Garage Type	Attached
Garage Area	1,125 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	636 sqft
Deck Area	686 sqft
Patio Area	1,362 sqft
Shed	1 Shed
Shed Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5 WHITEGATE LN
City	SAINT LOUIS
State	MO
Zip	63124-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33C
Legal Description	WHITE GATE LANE LOT 4
Legal Subdivision	WHITE GATE LANE
Legal Lot Number	4
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	3
Census Block	3012
Census Tract	215400

Owner

5 Whitegate Ln is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905
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 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Jan 30, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 26, 2017	Warranty Deed, Transfer GERSHMAN MTG
Jun 1, 2017	Warranty Deed, Transfer GERSHMAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2017 · Amount on File
Deed Sale	Dec 26, 2017 · Amount on File
Prior Sale	Jun 1, 2017 · Amount on File
Deed Document Number	2017162
Deed Book / Page	22832 / 387
Prior Transfer Date	Mar 2, 2009
Prior Transfer Doc	0182961015
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905

Mortgage

Document Number	0252003859
Date	Nov 4, 2021
Book Page	25200/3859
Instrument	2021110400616

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63124

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	1-Year CMT
Margin	3
Max Rate	7.62%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	COPPER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0239040183
Date	Jan 30, 2020
Book Page	23904/183
Instrument	2020013000031

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	COPPER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0239004734
Date	Jan 28, 2020
Book Page	23900/4734
Instrument	2020012800792

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	8.25%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	COPPER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905

Mortgage

Document Number	0241102882
Date	Jun 29, 2020
Book Page	24110/2882
Instrument	2020062900428

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	7.75%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Dec 26, 2017
Property Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905
Document Number	0228320387
Book / Page	022832 / 000387
Instrument Date	Dec 13, 2017
Instrument	162
Transaction Type	Transfer
Record Updated	Feb 2, 2018
Title Company	US TITLE-CREVE COEUR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 WHITEGATE LN ST LOUIS MO 631241905, ST LOUIS, MO 63124-1905

Mortgage

Document Number	228320390
Date	Dec 26, 2017
Book Page	022832/000390
Instrument	163

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	16253 SWINGLEY RIDGE RD # 400, CHESTERFIELD, MO 63017-1799

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jun 1, 2017
Property Address	5 WHITEGATE LN, SAINT LOUIS, MO 63124-1905
Document Number	0225482833
Book / Page	022548 / 002833
Instrument Date	May 30, 2017
Instrument	499
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 WHITEGATE LN ST LOUIS MO 631241905, ST LOUIS, MO 63124-1905

Mortgage

Document Number	225482836
Date	Jun 1, 2017
Book Page	022548/002836
Instrument	500

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	16253 SWINGLEY RIDGE RD # 400, CHESTERFIELD, MO 63017-1799

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5 Whitegate Ln was $18,397, up 10.1% 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		$283,310 (-) Land $122,400 Building $160,910	$1,491,100 (-) Land $644,200 Building $846,900
2025	$18,397.00 (+10.12%)	$283,310 Land $122,400 Building $160,910	$1,491,100 Land $644,200 Building $846,900
2024	$16,707.00 (+0.19%)
2023	$16,676.00	$247,560 Land $104,980 Building $142,580	$1,302,900 Land $552,500 Building $750,400

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 5 Whitegate Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.

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	8 (1982–2014)
Claims Outside the SFHA	5 of 8
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

Wildfire risk around 5 Whitegate 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 98% of the US · lower than 96% 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 288 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Whitegate Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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