St. Louis County property record for 645 Highland Dr, Ballwin, MO 63011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1956 |
| Lot Size | 0.52 acres (22,642 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Jun 2001) |
| Tax Bill | $3,590 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22S-23-0041 |
| Primary APN | 22S-23-0041 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 1,836 sqft |
| 1st Floor Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 22,642 sqft (0.52 acres) |
| Lot Dimensions | 182 ft deep x 76 ft wide |
| Terrain | Above Road/Slope |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 208 sqft |
| Patio Area | 476 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 645 HIGHLAND DR |
|---|---|
| City | BALLWIN |
| State | MO |
| Zip | 63011-3211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 93R-1 |
| Legal Description | BIRCHWOOD ACRES PLAT 4 LOT 69 |
| Legal Subdivision | BIRCHWOOD ACRES PLAT 4 |
| Legal Lot Number | 69 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | LAFAYETTE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 217806 |
645 Highland Dr is owned and occupied by an individual who bought it in June 2001.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 HIGHLAND DR, BALLWIN, MO 63011-3211 |
| 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.
| Date | Document |
|---|---|
| Jul 11, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Jun 12, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST CMNTY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2001 · Amount on File |
| Deed Sale | Jun 12, 2001 · Amount on File |
| Prior Sale | Jun 12, 2001 · Amount on File |
| Deed Document Number | 2001471 |
| Deed Book / Page | 3091 / 1965 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 645 HIGHLAND DR, BALLWIN, MO 63011-3211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2024 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 645 HIGHLAND DR, BALLWIN, MO 63011-3211 |
| Document Number | 2023071100299 |
|---|---|
| Date | Jul 11, 2023 |
| Instrument | 2023071100299 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jun 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 645 HIGHLAND DR, BALLWIN, MO 63011-3211 |
| Document Number | 0230980613 |
| Instrument Date | Jun 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2018 |
| Title Company | CLEAR TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 HIGHLAND DR BALLWIN MO 630113211, BALLWIN, MO 63011-3211 |
| Document Number | 0230980613 |
|---|---|
| Date | Jul 6, 2018 |
| Book Page | 023098/000613 |
| Instrument | 240 |
| Name | FIRST CMNTY FCU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 5, 2033 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 645 Highland Dr was $3,590, up 9.2% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Ballwin City |
| County | St. Louis County |
| Unified School District | Rockwood R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $52,270 (-) Land $31,690 Building $20,580 | $275,100 (-) Land $166,800 Building $108,300 | |
| 2025 | $3,590.00 (+9.22%) | $52,270 Land $31,690 Building $20,580 | $275,100 Land $166,800 Building $108,300 |
| 2024 | $3,287.00 (+0.09%) | ||
| 2023 | $3,284.00 (+3.53%) | $46,870 (+10.52%) Land $22,630 Building $24,240 | $246,700 Land $119,100 Building $127,600 |
| 2022 | $3,172.00 | $42,410 Land $24,890 Building $17,520 | |
| 2021 | $223,200 Land $131,000 Building $92,200 |
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.
FEMA maps place 645 Highland Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1985.
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 Policies | 1 in force |
| Nearby Flood Claims | 14 (1985–2024) |
| Claims Outside the SFHA | 1 of 14 |
| Most Recent Claim | Jul 2024 · river or lake flooding |
| Claims by Event |
|
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 risk around 645 Highland Dr 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 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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