St. Louis County property record for 9028 Philo Ave, Saint Louis, MO 63123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,320 sqft · built 1939 |
| Lot Size | 0.113 acres (4,918 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $277,305 (May 2026) |
| Tax Bill | $3,135 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25J-32-0951 |
| Primary APN | 25J-32-0951 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| Gross Area | 1,390 sqft |
| 1st Floor Area | 1,100 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Bungalow |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 4,918 sqft (0.113 acres) |
| Lot Dimensions | 123 ft deep x 40 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Stoop |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | 232 sqft |
| Patio Area | 302 sqft |
| Poultry House | 70 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 9028 PHILO AVE |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63123-4635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 65RSING |
| Legal Description | WILBUR TERRACE LOT 13 |
| Legal Subdivision | WILBUR TERRACE |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | CONCORD |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 219900 |
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 | 9028 PHILO AVE, SAINT LOUIS, MO 63123-4635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| May 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK AND TRUST |
| Feb 26, 2021 | Deed of Trust, Mortgage · VA Mortgage THE HOME LOAN EXPERT LLC |
| Apr 13, 2018 | Warranty Deed, Transfer · VA Mortgage GERSHMAN MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2026 · Amount on Record |
| Deed Sale | May 18, 2026 · Amount on Record |
| Prior Sale | Apr 13, 2018 · Amount on Record |
| Deed Document Number | 202648 |
| Prior Transfer Date | Jan 29, 2016 |
| Prior Transfer Doc | 02302800618 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | May 18, 2026 |
| Property Address | 9028 PHILO AVE, SAINT LOUIS, MO 63123-4635 |
| Document Number | 0000000048 |
| Instrument Date | May 13, 2026 |
| Instrument | 202648 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | FREEDOM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9028 PHILO AVE, SAINT LOUIS, MO 63123-4635 |
| Document Number | 0000000049, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 202651849 |
| Name | STIFEL BANK AND TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 9028 PHILO AVE, SAINT LOUIS, MO 63123-4635 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2026 |
| Title Company | TITLE SOURCES INC, TITLE RESOURCES INC |
| Name | Verified Name |
|---|---|
| Address | 9028 PHILO AVE, SAINT LOUIS, MO 63123-4635 |
| Document Number | 0246782101 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 24678/2101 |
| Instrument | 2021022600285 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63144 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Apr 13, 2018 |
| Property Address | 9028 PHILO AVE, SAINT LOUIS, MO 63123-4635 |
| Document Number | 0229821637 |
| Book / Page | 022982 / 001637 |
| Instrument Date | Apr 10, 2018 |
| Instrument | 379 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2018 |
| Title Company | INVESTORS TITLE COMPANY-CLAYTON |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9028 PHILO AVE ST LOUIS MO 631234635, ST LOUIS, MO 63123-4635 |
| Document Number | 229821640 |
|---|---|
| Date | Apr 13, 2018 |
| Book Page | 022982/001640 |
| Instrument | 380 |
| Name | GERSHMAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 12, 2048 |
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | Wilbur Park Village |
| Unified School District | Bayless School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $46,520 (-) Land $12,260 Building $34,260 | $244,800 (-) Land $64,500 Building $180,300 | |
| 2025 | $3,135.00 (+6.49%) | $46,520 (+14.81%) Land $12,260 Building $34,260 | $244,800 (+14.77%) Land $64,500 Building $180,300 |
| 2024 | $2,944.00 (+1.62%) | ||
| 2023 | $2,897.00 (+16.39%) | $40,520 (+26.59%) Land $6,590 Building $33,930 | $213,300 (+26.59%) Land $34,700 Building $178,600 |
| 2022 | $2,489.00 | $32,010 Land $7,540 Building $24,470 | |
| 2021 | $168,500 Land $39,700 Building $128,800 |
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.
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 Claims | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 1979 · 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.
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 574 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 800 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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