St. Louis County property record for 9045 Philo Ave, Saint Louis, MO 63123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,100 sqft · built 1939 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $133,000 (Feb 2010) |
| Tax Bill | $2,502 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit May 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25J-32-0603 |
| Primary APN | 25J-32-0603 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| Gross Area | 1,268 sqft |
| 1st Floor Area | 1,100 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Bungalow |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 40 ft deep x 40 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 168 sqft |
| Patio Area | 70 sqft |
| Poultry House | 70 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 9045 PHILO AVE |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63123-4629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 65RSING |
| Legal Description | WILBUR TERRACE LOT 33 |
| Legal Subdivision | WILBUR TERRACE |
| Legal Block | 2 |
| Legal Lot Number | 33 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | CONCORD |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 219900 |
9045 Philo Ave is owned and occupied by two individuals who bought it in February 2010.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9045 PHILO AVE, SAINT LOUIS, MO 63123-4629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 31, 2024 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| May 10, 2018 | Deed of Trust, Mortgage COMMERCE BK |
| Apr 3, 2017 | Deed of Trust, Mortgage COMMERCE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2010 · Amount on File |
| Deed Sale | Feb 18, 2010 · Amount on File |
| Prior Sale | Mar 31, 2006 · Amount on File |
| Deed Document Number | 2010726 |
| Deed Book / Page | 18797 / 2354 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 9045 PHILO AVE, SAINT LOUIS, MO 63123-4629 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9045 PHILO AVE, SAINT LOUIS, MO 63123-4629 |
| Document Number | 2024053100322 |
|---|---|
| Date | May 31, 2024 |
| Instrument | 2024053100322 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 24, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 9045 PHILO AVE, SAINT LOUIS, MO 63123-4629 |
| Document Number | 0230322939 |
| Instrument Date | May 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9045 PHILO AVE ST LOUIS MO 631234629, ST LOUIS, MO 63123-4629 |
| Document Number | 0230322939 |
|---|---|
| Date | May 18, 2018 |
| Book Page | 023032/002939 |
| Instrument | 680 |
| Name | COMMERCE BK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | May 17, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 9045 PHILO AVE, SAINT LOUIS, MO 63123-4629 |
| Document Number | 0224723171 |
| Instrument Date | Apr 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9045 PHILO AVE ST LOUIS MO 631234629, ST LOUIS, MO 63123-4629 |
| Document Number | 0224723171 |
|---|---|
| Date | Apr 7, 2017 |
| Book Page | 022472/003171 |
| Instrument | 692 |
| Name | COMMERCE BK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Apr 6, 2037 |
The 2025 property tax bill for 9045 Philo Ave was $2,502, up 13.7% from the year before.
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 | $36,970 (-) Land $12,350 Building $24,620 | $194,600 (-) Land $65,000 Building $129,600 | |
| 2025 | $2,502.00 (+13.73%) | $36,970 Land $12,350 Building $24,620 | $194,600 Land $65,000 Building $129,600 |
| 2024 | $2,200.00 (+1.62%) | ||
| 2023 | $2,165.00 (-2.83%) | $30,100 (+5.06%) Land $6,650 Building $23,450 | $158,400 Land $35,000 Building $123,400 |
| 2022 | $2,228.00 | $28,650 Land $7,600 Building $21,050 | |
| 2021 | $150,800 Land $40,000 Building $110,800 |
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 9045 Philo Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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.
The area around 9045 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 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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