712 E Madison Ave, Saint Louis, MO 63122 Property Records

St. Louis County property record for 712 E Madison Ave, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,030 sqft · built 1990
Lot Size	0.227 acres (9,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,750 (Mar 2016)
Tax Bill	$6,411 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`24M-64-0633`

Property Details

APN / Parcel Number

Primary APN	`24M-64-0633`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,030 sqft Living Area
Gross Area	2,690 sqft
1st Floor Area	980 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	75 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	220 sqft
Deck Area	Deck Area
Patio Area	502 sqft
Balcony Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	712 E MADISON AVE
City	SAINT LOUIS
State	MO
Zip	63122-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	41R-2
Legal Description	OAKLAND TERRACE BLK 4 LOTS 3 4 15 16 & LOT PT 2 SUB OF 11 2 90 LOT C
Legal Subdivision	OAKLAND TERRACE BLK 4 LOTS 3 4 15 16 &
Legal Block	4
Legal Lot Number	C
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	4
Census Block	4009
Census Tract	221900

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	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK
Oct 25, 2023	Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK
Jun 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Mar 12, 2021	Beneficiary Deed, Transfer
Dec 26, 2016	Deed of Trust, Mortgage F&B ACQUISITION
Dec 26, 2016	Deed of Trust, Mortgage · Line of Credit NEIGHBORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2016 · Amount on Record
Deed Sale	Mar 3, 2016 · Amount on Record
Prior Sale	May 29, 2008 · Amount on Record
Deed Document Number	2016183
Deed Book / Page	21912 / 156
Last Transfer Date	Mar 9, 2021
Transfer Doc	0247143355
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503

Mortgage

Document Number	2023102500076
Date	Oct 25, 2023
Instrument	2023102500076

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503

Mortgage

Document Number	2023102500076
Date	Oct 25, 2023
Instrument	2023102500076

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503

Mortgage

Document Number	2022060700183
Date	Jun 7, 2022
Instrument	2022060700183

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	8%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503
Transaction Type	Mortgage
Record Updated	Sep 3, 2021
Title Company	ELITE TITLE COMPANY INC, ELITE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503

Mortgage

Document Number	0248982689
Date	Jun 1, 2021
Book Page	24898/2689
Instrument	2021060100390

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

March 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST LOUIS MO
Recording Date	Mar 12, 2021
Property Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503
Document Number	0247143355
Book / Page	24714 / 3355
Map Reference	MB 297 PG 52
Instrument Date	Mar 9, 2021
Instrument	2021031200367
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503
Document Number	0223442502
Book / Page	022344 / 002502
Instrument Date	Dec 26, 2016
Transaction Type	Mortgage
Record Updated	Jan 13, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	712 E MADISON AVE ST LOUIS MO 631224503, ST LOUIS, MO 63122-4503

Mortgage

Document Number	0223442502
Date	Jan 6, 2017
Book Page	022344/002502
Instrument	378

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	712 E MADISON AVE, SAINT LOUIS, MO 63122-4503
Document Number	0223460011
Book / Page	022346 / 000011
Instrument Date	Dec 26, 2016
Transaction Type	Mortgage
Record Updated	Jan 13, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	712 E MADISON AVE ST LOUIS MO 631224503, ST LOUIS, MO 63122-4503

Mortgage

Document Number	0223460011
Date	Jan 9, 2017
Book Page	022346/000011
Instrument	182

Lender

Name	NEIGHBORS FCU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 8, 2042

Interest

Rate Type	Adjustable Rate

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	Oakland City
Unified School District	Kirkwood R-VII School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,820 (-) Land $60,690 Building $59,130	$630,600 (-) Land $319,400 Building $311,200
2025	$6,411.00 (+5.32%)	$119,820 (+16.72%) Land $60,690 Building $59,130	$630,600 (+16.71%) Land $319,400 Building $311,200
2024	$6,087.00 (+1.55%)
2023	$5,994.00 (+1.58%)	$102,660 (+17.89%) Land $43,340 Building $59,320	$540,300 (+17.89%) Land $228,100 Building $312,200
2022	$5,901.00	$87,080 Land $39,790 Building $47,290
2021			$458,300 Land $209,400 Building $248,900

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	13 (1979–2022)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 2 claims

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 97% of the US · lower than 95% 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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