126 Rocky River Rd, Saint Clair, MO 63077 Property Records

Franklin County property record for 126 Rocky River Rd, Saint Clair, MO 63077

Property Summary

Property Type	Other Improved
Details	3 bd · 1 ba · 1,080 sqft · built 1989
Lot Size	2 acres (87,120 sqft)
Owner	Company Name on Record
Tax Bill	$524 (2025)
Deeds & Mortgages	Jan 2023 Foreclosure Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-5-21.1-0-002-035.000`

Property Details

APN / Parcel Number

Primary APN	`29-5-21.1-0-002-035.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,080 sqft Total Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Mobile Home
Construction Type	Frame
Lot Area	87,120 sqft (2 acres)
Shed	1 Shed

Location & Zoning

Street Address	126 ROCKY RIVER RD
City	SAINT CLAIR
State	MO
Zip	63077-4476
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	ANU
Legal Description	LOT:2 MERAMEC RIVER TRAILS
Legal Range	1W
Legal Township	41N
Legal Section	21
Legal Subdivision	MERAMEC RIVER TRAILS
Legal Lot Number	2
Legal Unit	2
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1006
Census Tract	801000

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	300 S MAIN ST, SAINT CLAIR, MO 63077-1511
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Foreclosure · Line of Credit FARMERS & MECHANICS BANK
Jan 3, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/SC
Jan 31, 2018	Warranty Deed, Transfer · Line of Credit FARMERS & MERCHANTS BK/ST CLAI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2023
Deed Sale	Jan 20, 2023
Prior Sale	Oct 14, 2021
Deed Document Number	2023753
Prior Transfer Date	Apr 7, 2011
Prior Transfer Doc	0000005494
Record Updated	Sep 20, 2026

January 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	FRANKLIN MO
Recording Date	Jan 20, 2023
Property Address	126 ROCKY RIVER RD, SAINT CLAIR, MO 63077-4476
Document Number	0002300753
Map Reference	PB M PG 129
Instrument Date	Jan 3, 2023
Instrument	2300753
Transaction Type	Foreclosure
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 ROCKY RIVER RD, SAINT CLAIR, MO 63077-4476

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 S MAIN ST, SAINT CLAIR, MO 63077-1511

Mortgage

Document Number	0002300759
Date	Jan 20, 2023
Instrument	2300759

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 12, 2038

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	126 ROCKY RIVER RD, SAINT CLAIR, MO 63077-4476
Document Number	0000018333
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 ROCKY RIVER RD ST CLAIR MO 630774476, ST CLAIR, MO 63077-4476

Mortgage

Document Number	0000018333
Date	Oct 27, 2020
Instrument	18333

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 31, 2018
Property Address	126 ROCKY RIVER RD, SAINT CLAIR, MO 63077-4476
Document Number	0000001260
Instrument Date	Jan 30, 2018
Instrument	1260
Transaction Type	Transfer
Record Updated	Feb 8, 2018
Title Company	HANSEN FRANKLIN COMPANY LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	126 ROCKY RIVER RD ST CLAIR MO 630774476, ST CLAIR, MO 63077-4476

Mortgage

Document Number	1261
Date	Jan 31, 2018
Instrument	1261

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 30, 2038

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	1262,
Date	Jan 31, 2018
Instrument	1262

Lender

Name	SETH M & JAMIE K CROCKER
Address	2251 W SPRINGFIELD RD, ST CLAIR, MO 63077-4415
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 30, 2023

Interest

Rate Type	Fixed Rate
Rate	5.49%

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 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	$524.00 (+36.81%)	$8,664 (+25.24%)	$45,600 (+25.24%) Land $16,900 Building $28,700
2023	$383.00 (+15.71%)	$6,918 (+13.99%)	$36,410 (+13.99%) Land $14,920 Building $21,490
2022	$331.00	$6,069
2021			$31,940 Land $14,920 Building $17,020

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 · 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 Claims	7 (2008–2017)
Claims Outside the SFHA	6 of 7
Most Recent Claim	May 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 2 claims Severe Storms And Flooding, Mar 2008 · 3 claims

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	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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

May also be available: BlueBit Networks, Verizon.

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