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Single Family ResidenceResidential
$588,373$246 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $385,000 on Nov 2, 2004

864 WHITE ROCK DR

SAINT LOUIS, MO 63131
4
Beds
4 / 1
Baths
2,393 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$588K
$557K low$619K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · Nov 2, 2004
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.118%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$307,500
MERRLIN MORTGAGE CORP · recorded Mar 28, 2005
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$261,600
ACCESS CAPITAL FUNDING LLC
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$150,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,939 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$109,310 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$49,460
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$59,850
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$87,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$575,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
44
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
78
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.26%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountySt. Louis
Lot (acres)The size of the land the home sits on, from county records.0.35
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.BalconyPatio · 204 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Barretts Elementary SchoolA
Elementary · Grades KG–5 · 1.7 mi
M
South Middle SchoolB+
Middle · Grades 6–8 · 3.0 mi
H
South High SchoolB+
High · Grades 9–12 · 3.4 mi

District: Parkway School District

Neighborhood · ZIP 63131These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.24
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.136

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.42%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.18,531
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,354 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$193,975
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$296,744
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

864 White Rock Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 85% of homes in St. Louis County
  • Costs less per square foot than 83% of homes in Saint Louis 63131
  • Bigger than 80% of homes in St. Louis County
  • Has a bigger lot than 80% of homes in St. Louis County
  • Newer than 72% of homes in St. Louis County

What homes are worth in Saint Louis 63131

Each bar is how many homes fall in that price range. The marker is this home.

This home
$294K$3.7M

This home is worth more than 18% of homes in Saint Louis 63131.

How it measures up in Saint Louis 63131

The dot is this home. The mark in the middle is the typical home in Saint Louis 63131.

Estimated value$588,373
CheaperTypical $936,964Pricier

Pricier than 18% of homes nearby

Price per ft²$246
CheaperTypical $300Pricier

Pricier than 17% of homes nearby

Living area2,393 ft²
SmallerTypical 3,034 ft²Bigger

Bigger than 27% of homes nearby

Lot size0.35 ac
SmallerTypical 0.73 acBigger

Bigger than 26% of homes nearby

Year built1978
OlderTypical 1975Newer

Newer than 60% of homes nearby

How 864 White Rock Dr ranks against every home in each area.
MeasureThis homeDes PeresSaint Louis 63131St. Louis County
Estimated valuepricier than$588,37329% of homes18% of homes85% of homes
Price per ft²pricier than$24624% of homes17% of homes80% of homes
Living areabigger than2,393 ft²41% of homes27% of homes80% of homes
Lot sizebigger than0.35 ac44% of homes26% of homes80% of homes
Year builtnewer than197860% of homes60% of homes72% of homes

About 864 White Rock Dr

How much is 864 White Rock Dr, Saint Louis, MO worth?

The TopHap Estimate for 864 White Rock Dr, Saint Louis, MO is $588,373 as of Jul 14, 2026. The likely range is $557,303 to $619,443. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 864 White Rock Dr, Saint Louis, MO last sell?

864 White Rock Dr, Saint Louis, MO last sold on Nov 2, 2004 for $385,000, according to the county's recorded deed.

How big is 864 White Rock Dr, Saint Louis, MO?

864 White Rock Dr, Saint Louis, MO has 4 bedrooms, 4 bathrooms, 2,393 square feet of living space and a 0.35-acre lot.

When was 864 White Rock Dr, Saint Louis, MO built?

864 White Rock Dr, Saint Louis, MO was built in 1978, making it 48 years old. It is a colonial home. The building has 2 stories.

What schools serve 864 White Rock Dr, Saint Louis, MO?

864 White Rock Dr, Saint Louis, MO is assigned to Barretts Elementary School (elementary), rated A; South Middle School (middle), rated B+; South High School (high), rated B+. All sit in Parkway School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 864 White Rock Dr, Saint Louis, MO compare to other homes in Saint Louis 63131?

Among the 6,557 homes in Saint Louis 63131, it is worth more than 18% of them ($588,373 against a typical $936,964), its price per square foot is higher than 17% of them ($246 against a typical $300), it is bigger than 27% of them (2,393 ft² against a typical 3,034 ft²), its lot is bigger than 26% of them (0.35 ac against a typical 0.73 ac) and it is newer than 60% of them (1978 against a typical 1975). Measured against all of St. Louis County, it is worth more than 85% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 864 White Rock Dr, Saint Louis, MO?

The 2024 property tax bill for 864 White Rock Dr, Saint Louis, MO was $4,939. The county assessed it at $109,310.

Closest homes

More homes in Saint Louis 63131

Assigned schools

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