531 Charoak Dr, Ballwin, MO 63021 Property Records

St. Louis County property record for 531 Charoak Dr, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,528 sqft · built 1979
Lot Size	0.238 acres (10,363 sqft)
Owner	2 Individual Names on Record
Last Sale	$483,920 (Jul 2025)
Tax Bill	$4,076 (2025)
Deeds & Mortgages	Aug 2021 Second Mortgage Jul 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24S-21-0067`

Property Details

APN / Parcel Number

Primary APN	`24S-21-0067`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,528 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,363 sqft (0.238 acres)
Lot Dimensions	49 ft deep x 77 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	72 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	531 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 24S220011 7 31 78 LOT 182
Legal Subdivision	OAK HILL
Legal Lot Number	182
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	2 Individual Names on Record
Mailing Address	531 CHAROAK DR, BALLWIN, MO 63021-6217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUILD MORTGAGE CO
Jul 21, 2025	Warranty Deed, Transfer · Conventional Mortgage TOGETHER CU
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 7, 2019	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2025 · Amount on Record
Deed Sale	Jul 21, 2025 · Amount on Record
Prior Sale	Sep 9, 2021 · Amount on Record
Deed Document Number	2025360
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	531 CHAROAK DR, BALLWIN, MO 63021-6217
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	PINNACLE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 CHAROAK DR, BALLWIN, MO 63021-6217

Mortgage

Document Number	0250521069
Date	Aug 13, 2021
Book Page	25052/1069
Instrument	2021081300177

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Mar 1, 2022

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jul 21, 2025
Property Address	531 CHAROAK DR, BALLWIN, MO 63021-6217
Document Number	2025072100360
Map Reference	MB 179 PG 98
Instrument Date	Jul 14, 2025
Instrument	2025072100360
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

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
Address	950 CASTLE PINES DR, BALLWIN, MO 63021-4475

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 CHAROAK DR, BALLWIN, MO 63021-6217

Mortgage

Document Number	2025072100361
Date	Jul 21, 2025
Instrument	2025072100361

Lender

Name	TOGETHER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 9, 2021
Property Address	531 CHAROAK DR, BALLWIN, MO 63021-6217
Document Number	0250985548
Book / Page	25098 / 5548
Map Reference	MB 179 PG 98
Instrument Date	Sep 2, 2021
Instrument	2021090900715
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	INTEGRITY TITLE SOLUTIONS LLC, INTEGRITY TITLE SLN LLC

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
Address	16307 DOWNEY TERRACE CT, WILDWOOD, MO 63011-1915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 CHAROAK DR, BALLWIN, MO 63021-6217

Mortgage

Document Number	2021090900716
Date	Sep 9, 2021
Instrument	2021090900716

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	531 CHAROAK DR, BALLWIN, MO 63021-6217
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	INTEGRITY TITLE SLN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 CHAROAK DR, BALLWIN, MO 63021-6217

Mortgage

Document Number	0245921421
Date	Jan 14, 2021
Book Page	24592/1421
Instrument	2021011401174

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	531 CHAROAK DR, BALLWIN, MO 63021-6217
Document Number	0235262672
Instrument Date	May 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	FREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	531 CHAROAK DR BALLWIN MO 630216217, BALLWIN, MO 63021-6217

Mortgage

Document Number	0235262672
Date	May 15, 2019
Book Page	023526/002672
Instrument	455

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 14, 2039

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		$59,390 (-) Land $28,670 Building $30,720	$312,600 (-) Land $150,900 Building $161,700
2025	$4,076.00 (+3.72%)	$59,390 (+5.83%) Land $28,670 Building $30,720	$312,600 (+5.82%) Land $150,900 Building $161,700
2024	$3,930.00 (+0.08%)	$56,120 (-) Land $19,110 Building $37,010
2023	$3,927.00 (+6.02%)	$56,120 (+13.33%) Land $19,110 Building $37,010	$295,400 (+13.35%) Land $100,600 Building $194,800
2022	$3,704.00	$49,520 Land $22,310 Building $27,210
2021			$260,600 Land $117,400 Building $143,200

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

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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