105 N Payne St, Pacific, MO 63069 Property Records

Franklin County property record for 105 N Payne St, Pacific, MO 63069

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 925 sqft · built 1960
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$1,126,200 (Mar 2007)
Tax Bill	$1,370 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-1-11.0-4-007-019.000`

Property Details

APN / Parcel Number

Primary APN	`19-1-11.0-4-007-019.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	925 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Shed	1 Shed

Location & Zoning

Street Address	105 N PAYNE ST
City	PACIFIC
State	MO
Zip	63069-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:PT1 SUNRISE TERRACE
Legal Range	2E
Legal Township	43N
Legal Section	11
Legal Subdivision	SUNRISE TERRACE
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOLES
Census Block Group	1
Census Block	1045
Census Tract	800704

Owner

105 N Payne St is owned and occupied by two individuals who acquired it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 N PAYNE ST, PACIFIC, MO 63069-1222
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
Dec 4, 2023	Deed of Trust, Mortgage · Line of Credit VANTAGE FCU
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jan 25, 2022	Intrafamily Transfer, Transfer NOT AVAILABLE, INVESTORS TITLE
Apr 16, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2007 · Amount on File
Deed Sale	Mar 15, 2007 · Amount on File
Deed Document Number	20075809
Last Transfer Date	Jan 12, 2022
Transfer Doc	0000001341
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	105 N PAYNE ST, PACIFIC, MO 63069-1222
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002314291
Date	Dec 4, 2023
Instrument	2314291

Lender

Name	VANTAGE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 16, 2048

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	105 N PAYNE ST, PACIFIC, MO 63069-1222
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002200489
Date	Jan 10, 2022
Instrument	2200489

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN MO
Recording Date	Jan 25, 2022
Property Address	105 N PAYNE ST, PACIFIC, MO 63069-1222
Document Number	0002201341
Map Reference	PB F PG31
Instrument Date	Jan 12, 2022
Instrument	2201341
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	NOT AVAILABLE, INVESTORS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 N PAYNE ST, PACIFIC, MO 63069-1222

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	105 N PAYNE ST, PACIFIC, MO 63069-1222
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002107137
Date	Apr 16, 2021
Instrument	2107137

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	192 Months
Due	Apr 1, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 105 N Payne St was $1,370.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	Pacific City
Unified School District	Meramec Valley R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,370.00	$18,187	$95,720 Land $18,540 Building $77,180
2023	$1,263.00 (+22.5%)	$16,914	$89,020 Land $18,540 Building $70,480
2022	$1,031.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 105 N Payne St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · 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

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 105 N Payne St is low, with 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PACIFIC PWS serves 6,000 people · EPA ID MO6010620
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	10 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bays-ET Highspeed Fixed Wireless	600 / 100
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Wisper ISP.

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