St. Louis County property record for 527 Charoak Dr, Ballwin, MO 63021
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,332 sqft · built 1983 |
| Lot Size | 0.22 acres (9,588 sqft) |
| Owner | Individual Name on File |
| Last Sale | $204,200 (Dec 2016) |
| Tax Bill | $4,167 (2024) |
| Deeds & Mortgages | Sep 2024 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24S-21-0056 |
| Primary APN | 24S-21-0056 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 1,750 sqft |
| 1st Floor Area | 1,332 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 9,588 sqft (0.22 acres) |
| Lot Dimensions | 68 ft deep x 69 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 28 sqft |
| Patio Area | 108 sqft |
| Balcony Area | 26 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 527 CHAROAK DR |
|---|---|
| City | BALLWIN |
| State | MO |
| Zip | 63021-6217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 93R-3 |
| Legal Description | OAK HILL 7 31 78 LOT 181 |
| Legal Subdivision | OAK HILL |
| Legal Lot Number | 181 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | WILDHORSE |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 217923 |
Source: St. Louis County records · APN 24S-21-0056
Assessment roll updated September 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 527 CHAROAK DR, BALLWIN, MO 63021-6217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2024 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Oct 24, 2019 | Deed of Trust, Mortgage FREEDOM MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 23, 2016 · Amount on Record |
| Deed Sale | Dec 23, 2016 · Amount on Record |
| Prior Sale | Feb 26, 2002 · Amount on Record |
| Deed Document Number | 2016255 |
| Deed Book / Page | 22328 / 1182 |
| Last Transfer Date | Mar 12, 2026 |
| Transfer Doc | 0000000359 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 527 CHAROAK DR, BALLWIN, MO 63021-6217 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 527 CHAROAK DR, BALLWIN, MO 63021-6217 |
| Document Number | 2024090900118 |
|---|---|
| Date | Sep 09, 2024 |
| Instrument | 2024090900118 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 01, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 527 CHAROAK DR, BALLWIN, MO 63021-6217 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 527 CHAROAK DR, BALLWIN, MO 63021-6217 |
| Document Number | 0249524661 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 24952/4661 |
| Instrument | 2021062800840 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 527 CHAROAK DR, BALLWIN, MO 63021-6217 |
| Document Number | 0237723518 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 527 CHAROAK DR BALLWIN MO 630216217, BALLWIN, MO 63021-6217 |
| Document Number | 0237723518 |
|---|---|
| Date | Nov 01, 2019 |
| Book Page | 023772/003518 |
| Instrument | 544 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63005 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 31, 2049 |
Source: St. Louis County records · Assessment roll updated September 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Ballwin City |
| County | St. Louis County |
| Unified School District | Rockwood R-VI School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $65,790 (+10.52%) Land $27,680 Building $38,110 | $346,300 (+10.53%) Land $145,700 Building $200,600 | |
| 2024 | $4,167.00 (+0.07%) | ||
| 2023 | $4,164.00 (+14.93%) | $59,530 (+22.89%) Land $18,450 Building $41,080 | $313,300 (+22.91%) Land $97,100 Building $216,200 |
| 2022 | $3,623.00 | $48,440 Land $21,550 Building $26,890 | |
| 2021 | $254,900 Land $113,400 Building $141,500 |
Source: FEMA National Flood Hazard Layer as of August 10, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA.
Based on FCC filings for 301 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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