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

St. Louis County property record for 856 Stable Ridge Ln, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,461 sqft · built 1989
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,116,500 (Nov 2024)
Tax Bill	$10,861 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22O-32-0500`

Property Details

APN / Parcel Number

Primary APN	`22O-32-0500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,461 sqft Living Area
Gross Area	5,990 sqft
1st Floor Area	1,584 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	113 ft deep x 113 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	81 sqft
Patio Area	378 sqft
Balcony Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	856 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 22O320261 12 9 87 LOT 23
Legal Subdivision	WATERFORD PLACE PLAT NO 3
Legal Lot Number	23
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 October 8, 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	856 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2200
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENDEAVOR CAPITAL LLC
Sep 18, 2018	Grant Deed, Transfer ANDREWS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2024 · Amount on Record
Deed Sale	Nov 1, 2024 · Amount on Record
Prior Sale	Sep 18, 2018 · Amount on Record
Deed Document Number	202411172
Prior Transfer Date	May 12, 2000
Prior Transfer Doc	0000000901
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	856 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2200
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2200

Mortgage

Document Number	0244523035
Date	Nov 18, 2020
Book Page	24452/3035
Instrument	2020111801702

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 18, 2018
Property Address	856 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2200
Document Number	0232002728
Book / Page	023200 / 002728
Instrument Date	Sep 14, 2018
Instrument	652
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO-CLAYTON

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	856 STABLE RIDGE LN KIRKWOOD MO 631222200, KIRKWOOD, MO 63122-2200

Mortgage

Document Number	232002732
Date	Sep 18, 2018
Book Page	023200/002732
Instrument	653

Lender

Name	ANDREWS FCU
Type	Credit Union
Address	SUITLAND, MD 20746

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2048

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		$192,830 (-) Land $63,760 Building $129,070	$1,014,900 (-) Land $335,600 Building $679,300
2025	$10,861.00 (+14.6%)	$192,830 (+27%) Land $63,760 Building $129,070	$1,014,900 (+27.01%) Land $335,600 Building $679,300
2024	$9,477.00 (+1.59%)
2023	$9,329.00 (-0.03%)	$151,830 (+6.82%) Land $43,830 Building $108,000	$799,100 (+6.82%) Land $230,700 Building $568,400
2022	$9,332.00	$142,140 Land $43,830 Building $98,310
2021			$748,100 Land $230,700 Building $517,400

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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