903 Penny Ln, Ballwin, MO 63011 Property Records

St. Louis County property record for 903 Penny Ln, Ballwin, MO 63011

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,840 sqft · built 1969
Lot Size	0.267 acres (11,644 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,500 (Feb 2013)
Tax Bill	$4,158 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21Q-41-0042`

Property Details

APN / Parcel Number

Primary APN	`21Q-41-0042`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	1,840 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,644 sqft (0.267 acres)
Lot Dimensions	54 ft deep x 102 ft wide
Terrain	Above Road/Slope
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	100 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	903 PENNY LN
City	BALLWIN
State	MO
Zip	63011-2846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	WOODSMILL PLAT 2 LOT 119
Legal Subdivision	WOODSMILL PLAT 2
Legal Lot Number	119
Jurisdiction	ST LOUIS MO
Township / Civil Division	LAFAYETTE
Census Block Group	1
Census Block	1004
Census Tract	217802

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	903 PENNY LN, BALLWIN, MO 63011-2846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jun 21, 2019	Deed of Trust, Mortgage · VA Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2013 · Amount on Record
Deed Sale	Feb 4, 2013 · Amount on Record
Prior Sale	Jun 25, 2003 · Amount on Record
Deed Document Number	20131091
Deed Book / Page	20358 / 4791
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	903 PENNY LN, BALLWIN, MO 63011-2846
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 PENNY LN, BALLWIN, MO 63011-2846

Mortgage

Document Number	2022052700381
Date	May 27, 2022
Instrument	2022052700381

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	903 PENNY LN, BALLWIN, MO 63011-2846
Document Number	0236000220
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NAT'L LENDER SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 PENNY LN BALLWIN MO 630112846, BALLWIN, MO 63011-2846

Mortgage

Document Number	0236000220
Date	Jul 8, 2019
Book Page	023600/000220
Instrument	41

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Ballwin City
County	St. Louis County
Unified School District	Parkway C-2 School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,730 (-) Land $27,850 Building $39,880	$356,500 (-) Land $146,600 Building $209,900
2025	$4,158.00 (-7.39%)	$67,730 (-2.04%) Land $27,850 Building $39,880	$356,500 (-2.03%) Land $146,600 Building $209,900
2024	$4,490.00 (-0.9%)
2023	$4,531.00 (+7.98%)	$69,140 (+17.11%) Land $26,220 Building $42,920	$363,900 (+17.12%) Land $138,000 Building $225,900
2022	$4,196.00	$59,040 Land $22,460 Building $36,580
2021			$310,700 Land $118,200 Building $192,500

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
Nearby Flood Policies	1 in force

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 98% of the US · lower than 96% 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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