820 Cherry St, Saint Louis, MO 63122 Property Records

St. Louis County property record for 820 Cherry St, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1951
Lot Size	0.173 acres (7,540 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jun 2016)
Tax Bill	$3,075 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22N-52-0570`

Property Details

APN / Parcel Number

Primary APN	`22N-52-0570`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,540 sqft (0.173 acres)
Lot Dimensions	58 ft deep x 58 ft wide
View / Lot	Cul-De-Sac
Garage Type	Open
Garage Area	670 sqft

Exterior Amenities

Patio Area	85 sqft
Shed	1 Shed
Shed Area	192 sqft
Utility Building	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	820 CHERRY ST
City	SAINT LOUIS
State	MO
Zip	63122-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R3
Legal Description	WESTCHESTER PLAT 1 SECTIONS A THRU D PTS RESUB LOT 44
Legal Subdivision	WESTCHESTER PLAT 1 SECTIONS A THRU D PTS
Legal Lot Number	44
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	2
Census Block	2010
Census Tract	217600

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	Individual Name on Record
Mailing Address	820 CHERRY ST, SAINT LOUIS, MO 63122-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jan 12, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2016 · Amount on Record
Deed Sale	Jun 14, 2016 · Amount on Record
Prior Sale	Nov 30, 2009 · Amount on Record
Deed Document Number	2016196
Deed Book / Page	22058 / 567
Prior Transfer Date	May 28, 2016
Prior Transfer Doc	0220580567
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	820 CHERRY ST, SAINT LOUIS, MO 63122-1004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 CHERRY ST, SAINT LOUIS, MO 63122-1004

Mortgage

Document Number	0241000079
Date	Jun 22, 2020
Book Page	24100/79
Instrument	2020062200011

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	820 CHERRY ST, SAINT LOUIS, MO 63122-1004
Document Number	0223663585
Book / Page	022366 / 003585
Instrument Date	Jan 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 CHERRY ST ST LOUIS MO 631221004, ST LOUIS, MO 63122-1004

Mortgage

Document Number	0223663585
Date	Jan 23, 2017
Book Page	022366/003585
Instrument	841

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 22, 2037

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	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		$54,190 (-) Land $42,540 Building $11,650	$285,200 (-) Land $223,900 Building $61,300
2025	$3,075.00 (+31.86%)	$54,190 (+46.82%) Land $42,540 Building $11,650	$285,200 (+46.78%) Land $223,900 Building $61,300
2024	$2,332.00 (+1.57%)
2023	$2,296.00 (+17.56%)	$36,910 (+24.44%) Land $27,850 Building $9,060	$194,300 (+24.47%) Land $146,600 Building $47,700
2022	$1,953.00	$29,660 Land $24,740 Building $4,920
2021			$156,100 Land $130,200 Building $25,900

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (1978–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2020 · 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

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	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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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