9862 Sappington Rd, Saint Louis, MO 63128 Property Records

St. Louis County property record for 9862 Sappington Rd, Saint Louis, MO 63128

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,785 sqft · built 1957
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Dec 2020)
Tax Bill	$4,165 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28L-44-0135`

Property Details

APN / Parcel Number

Primary APN	`28L-44-0135`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,785 sqft Living Area
Gross Area	2,268 sqft
1st Floor Area	1,785 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	109 ft deep x 109 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9862 SAPPINGTON RD
City	SAINT LOUIS
State	MO
Zip	63128-1242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	DORCHESTER TERRACE (LIFE ESTATE 13317 1731) LOT 1
Legal Subdivision	DORCHESTER TERRACE
Legal Lot Number	1
Jurisdiction	ST LOUIS MO
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1009
Census Tract	221202

Owner

9862 Sappington Rd is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	9862 SAPPINGTON RD, SAINT LOUIS, MO 63128-1242
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Dec 22, 2020	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2020 · Amount on File
Deed Sale	Dec 22, 2020 · Amount on File
Prior Sale	Dec 22, 2020 · Amount on File
Deed Document Number	2020398
Deed Book / Page	24528 / 367
Prior Transfer Date	Nov 18, 2020
Prior Transfer Doc	0000000397
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Recording Date	Apr 21, 2026
Property Address	9862 SAPPINGTON RD, SAINT LOUIS, MO 63128-1242
Document Number	0000000332
Instrument Date	Mar 23, 2026
Instrument	2026332
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9862 SAPPINGTON RD, SAINT LOUIS, MO 63128-1242

Mortgage

Document Number	0000000332,
Date	Apr 21, 2026
Instrument	2026332

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Jun 1, 2054

Interest

Rate	6.01%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	9862 SAPPINGTON RD, SAINT LOUIS, MO 63128-1242
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9862 SAPPINGTON RD, SAINT LOUIS, MO 63128-1242

Mortgage

Document Number	2022072000202
Date	Jul 20, 2022
Instrument	2022072000202

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Dec 22, 2020
Property Address	9862 SAPPINGTON RD, SAINT LOUIS, MO 63128-1242
Document Number	0245280367
Book / Page	24528 / 367
Map Reference	MB 82 PG 11
Instrument Date	Nov 20, 2020
Instrument	2020122200398
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	TRUE TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5644 NANTASKET CT, 5644, SAINT LOUIS, MO 63128-3367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9862 SAPPINGTON RD, SAINT LOUIS, MO 63128-1242

Mortgage

Document Number	2020122200399
Date	Dec 22, 2020
Instrument	2020122200399

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 9862 Sappington Rd was $4,165, up 6.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Unified School District	Lindbergh School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$65,450 (-) Land $24,070 Building $41,380	$344,500 (-) Land $126,700 Building $217,800
2025	$4,165.00 (+6.47%)	$65,450 Land $24,070 Building $41,380	$344,500 Land $126,700 Building $217,800
2024	$3,912.00 (+0.26%)
2023	$3,902.00 (+6.85%)	$60,140 (+10.53%) Land $22,060 Building $38,080	$316,500 Land $116,100 Building $200,400
2022	$3,652.00	$54,410 Land $24,070 Building $30,340
2021			$286,400 Land $126,700 Building $159,700

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

FEMA maps place 9862 Sappington Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 Policies	2 in force
Nearby Flood Claims	2 (1979–1980)
Most Recent Claim	Jun 1980 · 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

Wildfire risk around 9862 Sappington Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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 263 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	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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