644 Scott Ave, Saint Louis, MO 63122 Property Records

St. Louis County property record for 644 Scott Ave, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,422 sqft · built 1964
Lot Size	0.43 acres (18,748 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Nov 2011)
Tax Bill	$10,391 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24M-63-0199`

Property Details

APN / Parcel Number

Primary APN	`24M-63-0199`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,422 sqft Living Area
Gross Area	4,256 sqft
1st Floor Area	884 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	18,748 sqft (0.43 acres)
Lot Dimensions	125 ft deep x 125 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	834 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	160 sqft
Deck Area	404 sqft
Patio Area	404 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	644 SCOTT AVE
City	SAINT LOUIS
State	MO
Zip	63122-6348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R3
Legal Description	CURTIS RESUB & LOT PT F LOT E
Legal Subdivision	CURTIS RESUB
Legal Lot Number	E
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	1
Census Block	1038
Census Tract	218600

Owner

644 Scott Ave is owned and occupied by two individuals who bought it in November 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	644 SCOTT AVE, SAINT LOUIS, MO 63122-6348
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 3, 2023	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Jun 6, 2017	Deed of Trust, Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2011 · Amount on File
Deed Sale	Nov 15, 2011 · Amount on File
Prior Sale	Oct 19, 2004 · Amount on File
Deed Document Number	2011751
Deed Book / Page	19740 / 1603
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	644 SCOTT AVE, SAINT LOUIS, MO 63122-6348
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 SCOTT AVE, SAINT LOUIS, MO 63122-6348

Mortgage

Document Number	2023030300413
Date	Mar 3, 2023
Instrument	2023030300413

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	644 SCOTT AVE, SAINT LOUIS, MO 63122-6348
Transaction Type	Mortgage
Record Updated	Sep 6, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 SCOTT AVE, SAINT LOUIS, MO 63122-6348

Mortgage

Document Number	0249343015
Date	Jun 17, 2021
Book Page	24934/3015
Instrument	2021061700622

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	644 SCOTT AVE, SAINT LOUIS, MO 63122-6348
Document Number	0225643197
Book / Page	022564 / 003197
Instrument Date	Jun 6, 2017
Transaction Type	Mortgage
Record Updated	Jun 19, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	644 SCOTT AVE ST LOUIS MO 631226348, ST LOUIS, MO 63122-6348

Mortgage

Document Number	0225643197
Date	Jun 13, 2017
Book Page	022564/003197
Instrument	763

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 644 Scott Ave was $10,391, up 11.6% 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	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		$184,780 (-) Land $101,690 Building $83,090	$972,500 (-) Land $535,200 Building $437,300
2025	$10,391.00 (+11.56%)	$184,780 Land $101,690 Building $83,090	$972,500 Land $535,200 Building $437,300
2024	$9,314.00 (+1.6%)
2023	$9,167.00 (-3.58%)	$148,880 (+11.5%) Land $91,520 Building $57,360	$783,600 Land $481,700 Building $301,900
2022	$9,507.00	$133,520 Land $83,130 Building $50,390
2021			$702,700 Land $437,500 Building $265,200

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

FEMA maps place 644 Scott Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1979–1987)
Most Recent Claim	Jun 1987 · 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 644 Scott Ave 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 99.1% of the US · lower than 98.2% 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 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Wisper ISP.

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