1010 Cardwell St, Saint Clair, MO 63077 Property Records

Franklin County property record for 1010 Cardwell St, Saint Clair, MO 63077

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,240 sqft · built 1999
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on Record
Tax Bill	$2,497 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22-7-25.0-1-007-221.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-25.0-1-007-221.000`

Interior

Building Area	2,240 sqft Total Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	43,560 sqft (1 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	1010 CARDWELL ST
City	SAINT CLAIR
State	MO
Zip	63077-1082
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	RUUD HOME SYSTEMSLOT 14 & LOTS 23 TO 27 HILL CREST
Legal Subdivision	HILL CREST
Legal Lot Number	14,23
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2098
Census Tract	800903

Owner

Source: Franklin County records, as of November 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1010 CARDWELL ST, SAINT CLAIR, MO 63077-1082
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK OF UNION
Sep 24, 2020	Deed of Trust, Mortgage · Line of Credit UNITED BK/UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2023
Deed Sale	Jun 6, 2023
Prior Sale	Mar 20, 2013 · Amount on Record
Deed Document Number	20236435
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1010 CARDWELL ST, SAINT CLAIR, MO 63077-1082
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002103177
Date	Feb 22, 2021
Instrument	2103177

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1010 CARDWELL ST, SAINT CLAIR, MO 63077-1082
Document Number	0000016778
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1010 CARDWELL ST ST CLAIR MO 630771082, ST CLAIR, MO 63077-1082

Mortgage

Document Number	0000016778
Date	Oct 5, 2020
Instrument	16778

Lender

Name	UNITED BK/UNION
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	St. Clair City
Unified School District	St. Clair R-XIII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,497.00 (+2.46%)	$34,611 (-4.73%)	$108,160 (-4.73%) Land $43,610 Building $64,550
2023	$2,437.00 (+7.03%)	$36,329 (+6%)	$113,530 (+6%) Land $43,610 Building $69,920
2022	$2,277.00	$34,272
2021			$107,100 Land $43,610 Building $63,490

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 June 4, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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	ST CLAIR PWS serves 4,700 people · EPA ID MO6010708
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: T-Mobile.

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