522 Iris Ln, Saint Louis, MO 63122 Property Records

St. Louis County property record for 522 Iris Ln, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,752 sqft · built 1952
Lot Size	0.367 acres (16,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,200 (Feb 2015)
Tax Bill	$3,936 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23N-51-0165`

Property Details

APN / Parcel Number

Primary APN	`23N-51-0165`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,752 sqft Living Area
1st Floor Area	1,680 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	16,000 sqft (0.367 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Terrain	Below Road/Slope
Garage Type	Carport
Garage Area	260 sqft
Carport	Carport
Carport Area	260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	434 sqft
Deck Area	168 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	522 IRIS LN
City	SAINT LOUIS
State	MO
Zip	63122-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R3
Legal Description	MAL BO GARDENS LOT 20
Legal Subdivision	MAL BO GARDENS
Legal Lot Number	20
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	1
Census Block	1009
Census Tract	218402

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	2 Individual Names on Record
Mailing Address	522 IRIS LN, SAINT LOUIS, MO 63122-3634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS
May 24, 2019	Deed of Trust, Mortgage COMMERCE BK
Jun 13, 2017	Deed of Trust, Mortgage MIDLAND STATES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2015 · Amount on Record
Deed Sale	Feb 2, 2015 · Amount on Record
Prior Sale	Jan 14, 2013 · Amount on Record
Deed Document Number	2015556
Deed Book / Page	21362 / 2867
Prior Transfer Date	May 21, 2002
Prior Transfer Doc	0000000429
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	522 IRIS LN, SAINT LOUIS, MO 63122-3634
Transaction Type	Mortgage
Record Updated	Jan 26, 2023
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 IRIS LN, SAINT LOUIS, MO 63122-3634

Mortgage

Document Number	2022110800211
Date	Nov 8, 2022
Instrument	2022110800211

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 8, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	522 IRIS LN, SAINT LOUIS, MO 63122-3634
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 IRIS LN, SAINT LOUIS, MO 63122-3634

Mortgage

Document Number	0246540852
Date	Feb 17, 2021
Book Page	24654/852
Instrument	2021021700370

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	522 IRIS LN, SAINT LOUIS, MO 63122-3634
Document Number	0235524663
Instrument Date	May 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	522 IRIS LN KIRKWOOD MO 631223634, KIRKWOOD, MO 63122-3634

Mortgage

Document Number	0235524663
Date	Jun 4, 2019
Book Page	023552/004663
Instrument	689

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 3, 2029

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	522 IRIS LN, SAINT LOUIS, MO 63122-3634
Document Number	0225721820
Book / Page	022572 / 001820
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Jun 23, 2017
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	522 IRIS LN ST LOUIS MO 631223634, ST LOUIS, MO 63122-3634

Mortgage

Document Number	0225721820
Date	Jun 19, 2017
Book Page	022572/001820
Instrument	403

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Kirkwood City
Unified School District	Kirkwood R-VII School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,560 (-) Land $62,320 Building $7,240	$366,100 (-) Land $328,000 Building $38,100
2025	$3,936.00 (-3.69%)	$69,560 (+6.64%) Land $62,320 Building $7,240	$366,100 (+6.64%) Land $328,000 Building $38,100
2024	$4,087.00 (+1.59%)
2023	$4,023.00 (+2.31%)	$65,230 (+8.92%) Land $42,850 Building $22,380	$343,300 (+8.91%) Land $225,500 Building $117,800
2022	$3,932.00	$59,890 Land $42,850 Building $17,040
2021			$315,200 Land $225,500 Building $89,700

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 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 Claims	4 (2009–2017)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 2017 · Severe Storms, Tornadoes, Straight-line Winds And 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

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	KIRKWOOD PWS serves 28,000 people · EPA ID MO6010430
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Mar 2026
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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