Franklin County property record for 130 Cottage St, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 624 sqft · built 1900 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $74,480 (Dec 2022) |
| Tax Bill | $673 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Dec 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-36.0-2-022-429.000 |
| Primary APN | 22-7-36.0-2-022-429.000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 624 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 4,356 sqft (0.1 acres) |
| Street Address | 130 COTTAGE ST |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:PT2&PT3 MAPLE HEIGHTS ADDN |
| Legal Range | 1W |
| Legal Township | 42N |
| Legal Section | 36 |
| Legal Subdivision | MAPLE HEIGHTS |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 800903 |
Source: Franklin County assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 130 COTTAGE ST, SAINT CLAIR, MO 63077-1406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE COMMUNITY BANK |
| Dec 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage TOGETHER CU |
| Sep 15, 2020 | Deed of Trust, Mortgage · Line of Credit HERITAGE CMNTY BK |
| Sep 11, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 12, 2022 · Amount on Record |
| Deed Sale | Dec 12, 2022 · Amount on Record |
| Prior Sale | Sep 11, 2020 |
| Deed Document Number | 202218400 |
| Prior Transfer Date | Apr 17, 2008 |
| Prior Transfer Doc | 0000011853 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 130 COTTAGE ST, SAINT CLAIR, MO 63077-1406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0002119231 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2119231 |
| Name | HERITAGE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 5, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Dec 12, 2022 |
| Property Address | 130 COTTAGE ST, SAINT CLAIR, MO 63077-1406 |
| Document Number | 0002218400 |
| Map Reference | PB C PG 56 |
| Instrument Date | Dec 8, 2022 |
| Instrument | 2218400 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 130 COTTAGE ST, SAINT CLAIR, MO 63077-1406 |
| Document Number | 0002218401 |
|---|---|
| Date | Dec 12, 2022 |
| Instrument | 2218401 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 130 COTTAGE ST, SAINT CLAIR, MO 63077-1406 |
| Document Number | 0000015752 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6336 RAINBOW RDG WASHINGTON MO 630904347, WASHINGTON, MO 63090-4347 |
| Document Number | 0000015752 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 15752 |
| Name | HERITAGE CMNTY BK |
|---|---|
| Type | Bank |
| Address | UNION, MO 63084 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 20, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Sep 11, 2020 |
| Property Address | 130 COTTAGE ST, SAINT CLAIR, MO 63077-1406 |
| Document Number | 0000015067 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 15067 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6336 RAINBOW RDG WASHINGTON MO 630904347, WASHINGTON, MO 63090-4347 |
Source: Franklin County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | St. Clair City |
| Unified School District | St. Clair R-XIII School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $673.00 (+6.49%) | $9,998 (-1.5%) | $52,620 (-1.5%) Land $9,100 Building $43,520 |
| 2023 | $632.00 (+17.69%) | $10,150 | $53,420 Land $9,100 Building $44,320 |
| 2022 | $537.00 |
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.
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.
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 |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 318 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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