St. Louis County property record for 8504 Philo Ave, Saint Louis, MO 63123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,365 sqft · built 1938 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $256,424 (Sep 2025) |
| Tax Bill | $2,449 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25J-34-1387 |
| Primary APN | 25J-34-1387 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,365 sqft Living Area |
| Gross Area | 1,521 sqft |
| 1st Floor Area | 780 sqft |
| Basement Area | 60 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 5,998 sqft (0.138 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
| Porch Area | 156 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 8504 PHILO AVE |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63123-3732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | GRAVOIS CITY LIMITS PARK LOT 22 |
| Legal Subdivision | GRAVOIS CITY LIMITS PARK |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | GRAVOIS |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 219801 |
8504 Philo Ave is owned and occupied by an individual who bought it in September 2025.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8504 PHILO AVE, SAINT LOUIS, MO 63123-3732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Sep 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FAMILY FINANCE MORTGAGE LLC |
| Feb 1, 2019 | Warranty Deed, Transfer FINANCE OF AMERICA MTG |
| Feb 15, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on File |
| Deed Sale | Sep 12, 2025 · Amount on File |
| Prior Sale | Feb 1, 2019 · Amount on File |
| Deed Document Number | 2025277 |
| Prior Transfer Date | Aug 16, 2012 |
| Prior Transfer Doc | 0201263055 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Sep 12, 2025 |
| Property Address | 8504 PHILO AVE, SAINT LOUIS, MO 63123-3732 |
| Document Number | 2025091200277 |
| Map Reference | MB 27 PG 23 |
| Instrument Date | Sep 2, 2025 |
| Instrument | 2025091200277 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | OLD REPUBLIC TITLE, ORT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8504 PHILO AVE, SAINT LOUIS, MO 63123-3732 |
| Document Number | 2025091200278 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 2025091200278 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 8504 PHILO AVE, SAINT LOUIS, MO 63123-3732 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | FREEDOM TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 8504 PHILO AVE, SAINT LOUIS, MO 63123-3732 |
| Document Number | 0243081373 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 24308/1373 |
| Instrument | 2020090300203 |
| Name | FAMILY FINANCE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ARNOLD, MO 63010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Feb 1, 2019 |
| Property Address | 8504 PHILO AVE, SAINT LOUIS, MO 63123-3732 |
| Document Number | 0233820255 |
| Book / Page | 023382 / 000255 |
| Instrument Date | Jan 30, 2019 |
| Instrument | 38 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2019 |
| Title Company | TRUE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8504 PHILO AVE ST LOUIS MO 631233732, ST LOUIS, MO 63123-3732 |
| Document Number | 233820258 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 023382/000258 |
| Instrument | 39 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 31, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 8504 PHILO AVE, SAINT LOUIS, MO 63123-3732 |
| Document Number | 0224240139 |
| Book / Page | 022424 / 000139 |
| Instrument Date | Feb 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8504 PHILO AVE ST LOUIS MO 631233732, ST LOUIS, MO 63123-3732 |
| Document Number | 0224240139 |
|---|---|
| Date | Mar 6, 2017 |
| Book Page | 022424/000139 |
| Instrument | 91 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64112 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Mar 5, 2044 |
The 2025 property tax bill for 8504 Philo Ave was $2,449, down 3.8% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Unified School District | Bayless School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $36,500 (-) Land $13,570 Building $22,930 | $192,100 (-) Land $71,400 Building $120,700 | |
| 2025 | $2,449.00 (-3.77%) | $36,500 (+3.58%) Land $13,570 Building $22,930 | $192,100 Land $71,400 Building $120,700 |
| 2024 | $2,545.00 (+1.64%) | $35,240 (-) Land $7,750 Building $27,490 | |
| 2023 | $2,504.00 (+7.56%) | $35,240 (+17.7%) Land $7,750 Building $27,490 | $185,500 Land $40,800 Building $144,700 |
| 2022 | $2,328.00 | $29,940 Land $7,750 Building $22,190 | |
| 2021 | $157,600 Land $40,800 Building $116,800 |
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 8504 Philo Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 10, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 8504 Philo Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 769 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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