826 Stable Ridge Ln, Saint Louis, MO 63122 Property Records

St. Louis County property record for 826 Stable Ridge Ln, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,396 sqft · built 1987
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$830,000 (Jun 2021)
Tax Bill	$10,026 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22O-32-0454`

Property Details

APN / Parcel Number

Primary APN	`22O-32-0454`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,396 sqft Living Area
Gross Area	6,017 sqft
1st Floor Area	1,648 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	14,810 sqft (0.34 acres)
Lot Depth	111 ft Depth
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	208 sqft
Patio Area	469 sqft
Balcony Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	826 STABLE RIDGE LN
City	SAINT LOUIS
State	MO
Zip	63122-2200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R3
Legal Description	WATERFORD PLACE PLAT NO 3 12 9 87 LOT 18
Legal Subdivision	WATERFORD PLACE PLAT NO 3
Legal Lot Number	18
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	1
Census Block	1010
Census Tract	218401

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	826 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit NEW FRONTIER BANK
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
Jun 8, 2021	Warranty Deed, Transfer · Line of Credit NEW FRONTIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2021 · Amount on Record
Deed Sale	Jun 8, 2021 · Amount on Record
Prior Sale	Jun 19, 2002 · Amount on Record
Deed Document Number	2021737
Deed Book / Page	24914 / 1800
Prior Transfer Date	Nov 11, 2002
Prior Transfer Doc	0000000909
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	826 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2200
Transaction Type	Mortgage
Record Updated	Nov 25, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 STABLE RIDGE LN, KIRKWOOD, MO 63122-2200

Mortgage

Document Number	2022061500547
Date	Jun 15, 2022
Instrument	2022061500547

Lender

Name	NEW FRONTIER BANK
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 5, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	826 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2200
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 STABLE RIDGE LN, KIRKWOOD, MO 63122-2200

Mortgage

Document Number	0251360291
Date	Sep 28, 2021
Book Page	25136/291
Instrument	2021092800299

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

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

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jun 8, 2021
Property Address	826 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2200
Document Number	0249141800
Book / Page	24914 / 1800
Map Reference	MB 257 PG 14
Instrument Date	Jun 3, 2021
Instrument	2021060800737
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	TITLE PARTNERS AGENCY 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	826 STABLE RIDGE LN, 826, KIRKWOOD, MO 63122-2200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 STABLE RIDGE LN, KIRKWOOD, MO 63122-2200

Mortgage

Document Number	2021060800738
Date	Jun 8, 2021
Instrument	2021060800738

Lender

Name	NEW FRONTIER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 3, 2022

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		$177,970 (-) Land $60,570 Building $117,400	$936,700 (-) Land $318,800 Building $617,900
2025	$10,026.00 (+2.48%)	$177,970 (+13.54%) Land $60,570 Building $117,400	$936,700 (+13.54%) Land $318,800 Building $617,900
2024	$9,783.00 (+1.59%)
2023	$9,630.00 (+6.89%)	$156,750 (+14.23%) Land $41,650 Building $115,100	$825,000 (+14.23%) Land $219,200 Building $605,800
2022	$9,009.00	$137,220 Land $41,650 Building $95,570
2021			$722,200 Land $219,200 Building $503,000

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1979–2015)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Apr 2015 · rainfall accumulation

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 99.8% of the US · lower than 99.6% 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 463 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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