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

Franklin County property record for 138 Cove Gate Ln, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1874
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,392 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-6-23.0-0-003-026.200`

Property Details

APN / Parcel Number

Primary APN	`21-6-23.0-0-003-026.200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area

Exterior

Year Built	Built 1874
Architectural Style	Other
Construction Type	Frame
Lot Area	130,680 sqft (3 acres)
Garage Area	360 sqft
Deck Area	50 sqft
Patio Area	113 sqft
Shed	1 Shed

Location & Zoning

Street Address	138 COVE GATE LN
City	SAINT CLAIR
State	MO
Zip	63077-3866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	LOT:2 B & B ACRES P2
Legal Range	01E
Legal Township	42
Legal Section	23
Legal Subdivision	B & B ACRES
Legal Block	3
Legal Lot Number	2B
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2016
Census Tract	800802

Owner

Source: Franklin County records, as of November 10, 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 Record
Mailing Address	138 COVE GATE LN, SAINT CLAIR, MO 63077-3866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2003
Deed Sale	Oct 30, 2003
Deed Document Number	2003-29189
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	138 COVE GATE LN, SAINT CLAIR, MO 63077-3866
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002203774
Date	Mar 10, 2022
Instrument	2203774

Lender

Name	SULLIVAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed 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	$1,392.00 (+12.35%)	$23,000 (+2.86%)	$121,350 (+2.85%) Land $14,810 Building $106,540
2023	$1,239.00 (+14.3%)	$22,361	$117,990 Land $11,810 Building $106,180
2022	$1,084.00

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

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	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
Bays-ET Highspeed Fixed Wireless	100 / 10

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cove Gate Ln

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