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

St. Louis County property record for 857 Stable Ridge Ln, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,920 sqft · built 1989
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$571,200 (Aug 2001)
Tax Bill	$10,496 (2025)
Deeds & Mortgages	Sep 2024 Sale Jan 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22O-32-0519`

Property Details

APN / Parcel Number

Primary APN	`22O-32-0519`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,920 sqft Living Area
Gross Area	5,492 sqft
1st Floor Area	1,620 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	Raised
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	119 ft deep x 119 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Patio Area	358 sqft
Balcony Area	84 sqft
Poultry House	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	857 STABLE RIDGE LN
City	SAINT LOUIS
State	MO
Zip	63122-2272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32R3
Legal Description	WATERFORD PLACE PLAT NO 3 12 9 87 LOT 24
Legal Subdivision	WATERFORD PLACE PLAT NO 3
Legal Lot Number	24
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	1
Census Block	1012
Census Tract	218401

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	857 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2024	Beneficiary Deed, Transfer
Jan 21, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2001 · Amount on Record
Deed Sale	Aug 16, 2001 · Amount on Record
Prior Sale	Jun 15, 1998 · Amount on Record
Deed Document Number	2001500
Deed Book / Page	13219 / 2363
Last Transfer Date	Sep 13, 2024
Transfer Doc	0000000197
Record Updated	Oct 29, 2026

September 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 20, 2024
Property Address	857 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2272
Document Number	2024092000197
Map Reference	MB 257 PG 14
Instrument Date	Sep 18, 2024
Instrument	2024092000197
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	857 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2272

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	857 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2272
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	857 STABLE RIDGE LN, KIRKWOOD, MO 63122-2272

Mortgage

Document Number	0246040698
Date	Jan 21, 2021
Book Page	24604/698
Instrument	2021012100846

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	857 STABLE RIDGE LN, SAINT LOUIS, MO 63122-2272
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	857 STABLE RIDGE LN, KIRKWOOD, MO 63122-2272

Mortgage

Document Number	0246040678
Date	Jan 21, 2021
Book Page	24604/678
Instrument	2021012100845

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

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		$186,330 (-) Land $61,160 Building $125,170	$980,700 (-) Land $321,900 Building $658,800
2025	$10,496.00 (+22.13%)	$186,330 (+35.37%) Land $61,160 Building $125,170	$980,700 (+35.38%) Land $321,900 Building $658,800
2024	$8,594.00 (+1.6%)
2023	$8,459.00 (+1.39%)	$137,640 (+8.3%) Land $42,050 Building $95,590	$724,400 (+8.3%) Land $221,300 Building $503,100
2022	$8,343.00	$127,090 Land $42,050 Building $85,040
2021			$668,900 Land $221,300 Building $447,600

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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