510 Charoak Dr, Ballwin, MO 63021 Property Records

St. Louis County property record for 510 Charoak Dr, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,364 sqft · built 1981
Lot Size	0.216 acres (9,396 sqft)
Owner	Individual Name on Record
Last Sale	$525,616 (Apr 2026)
Tax Bill	$4,630 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Nov 2025 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24S-24-0873`

Property Details

APN / Parcel Number

Primary APN	`24S-24-0873`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,364 sqft Living Area
Gross Area	1,782 sqft
1st Floor Area	1,340 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	9,396 sqft (0.216 acres)
Lot Dimensions	86 ft deep x 74 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	28 sqft
Deck Area	192 sqft
Patio Area	120 sqft
Balcony Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	510 CHAROAK DR
City	BALLWIN
State	MO
Zip	63021-6218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-3
Legal Description	OAK HILL 7 31 78 LOT 172
Legal Subdivision	OAK HILL
Legal Lot Number	172
Jurisdiction	ST LOUIS MO
Township / Civil Division	WILDHORSE
Census Block Group	4
Census Block	4009
Census Tract	217923

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	Individual Name on Record
Mailing Address	510 CHAROAK DR, BALLWIN, MO 63021-6218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Nov 3, 2025	Warranty Deed, Transfer · Line of Credit LINDELL BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Prior Sale	Nov 3, 2025 · Amount on Record
Deed Document Number	2026287
Prior Transfer Date	Jul 29, 2002
Prior Transfer Doc	0000000698
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Apr 9, 2026
Property Address	510 CHAROAK DR, BALLWIN, MO 63021-6218
Document Number	0000000287
Instrument Date	Mar 31, 2026
Instrument	2026287
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 CHAROAK DR, BALLWIN, MO 63021-6218

Mortgage

Document Number	0000000288,
Date	Apr 9, 2026
Instrument	202649288

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Nov 3, 2025
Property Address	510 CHAROAK DR, BALLWIN, MO 63021-6218
Document Number	2025110300581
Map Reference	MB 179 PG 98&99
Instrument Date	Oct 28, 2025
Instrument	2025110300581
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	FREEDOM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18707 MELROSE RD, WILDWOOD, MO 63038-1606

Mortgage

Document Number	2025110300582
Date	Nov 3, 2025
Instrument	2025110300582

Lender

Name	LINDELL BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Ballwin City
County	St. Louis County
Unified School District	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,530 (-) Land $30,500 Building $37,030	$355,400 (-) Land $160,500 Building $194,900
2025	$4,630.00 (+8.92%)	$67,530 (+11.18%) Land $30,500 Building $37,030	$355,400 (+11.17%) Land $160,500 Building $194,900
2024	$4,251.00 (+0.07%)	$60,740 (-) Land $20,330 Building $40,410
2023	$4,248.00 (+15.47%)	$60,740 (+23.48%) Land $20,330 Building $40,410	$319,700 (+23.48%) Land $107,000 Building $212,700
2022	$3,679.00	$49,190 Land $23,730 Building $25,460
2021			$258,900 Land $124,900 Building $134,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 10, 2025

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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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