108 Cove Gate Ln, Saint Clair, MO 63077 Property Records

Franklin County property record for 108 Cove Gate Ln, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,819 sqft · built 2017
Lot Size	3.09 acres (135,036 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,250 (2025)
Deeds & Mortgages	May 2020 Mortgage Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-6-23.0-0-004-026.300`

Property Details

APN / Parcel Number

Primary APN	`21-6-23.0-0-004-026.300`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,819 sqft Living Area

Exterior

Year Built	Built 2017
Construction Type	Frame
Lot Area	135,036 sqft (3.09 acres)

Location & Zoning

Street Address	108 COVE GATE LN
City	SAINT CLAIR
State	MO
Zip	63077-3866
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:4 B & B ACRES PLAT3
Legal Range	01E
Legal Township	42
Legal Section	23
Legal Subdivision	B & B ACRES
Legal Lot Number	4B
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2016
Census Tract	800802

Owner

Source: Franklin County assessment roll, as of May 31, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	108 COVE GATE LN, SAINT CLAIR, MO 63077-3866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2020	Deed of Trust, Mortgage FARMERS & MERCHANTS NAT'L BK
Jan 30, 2019	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 15, 2017
Deed Sale	Aug 15, 2017
Deed Document Number	1712425
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	108 COVE GATE LN, SAINT CLAIR, MO 63077-3866
Document Number	0000008441
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 COVE GATE LN ST CLAIR MO 630773866, ST CLAIR, MO 63077-3866

Mortgage

Document Number	0000008441
Date	Jun 4, 2020
Instrument	8441

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	SAINT CLAIR, MO 63077

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	108 COVE GATE LN, SAINT CLAIR, MO 63077-3866
Document Number	0000001678
Instrument Date	Jan 30, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 COVE GATE LN ST CLAIR MO 630773866, ST CLAIR, MO 63077-3866

Mortgage

Document Number	0000001678
Date	Feb 11, 2019
Instrument	1678

Lender

Name	FARMERS & MERCHANTS BK/ST CLAI
Type	Bank
Address	SAINT CLAIR, MO 63077

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,250.00 (+17.41%)	$53,705 (+7.56%)	$282,960 (+7.67%) Land $14,830 Building $268,130
2023	$2,768.00 (-3.42%)	$49,932	$262,800 Land $19,240 Building $243,560
2022	$2,866.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
Verizon Fixed Wireless	25 / 6
Bays-ET Highspeed Fixed Wireless	25 / 5

May also be available: T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cove Gate Ln

Nearby Streets

All Saint Clair, MO Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures