145 Cottage St, Saint Clair, MO 63077 Property Records

Franklin County property record for 145 Cottage St, Saint Clair, MO 63077 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,148 sqft · built 1920
Lot Size	0.1 acres (4,356 sqft)
Owner	Owner Name on File
Last Sale	$78,000 (Feb 2006)
Tax Bill	$1,003 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22-7-36.0-2-099-400.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-36.0-2-099-400.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,148 sqft Living Area

Exterior

Year Built	Built 1920
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	145 COTTAGE ST
City	SAINT CLAIR
State	MO
Zip	63077-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW NW,S OF SOUTH ST&N OF CATTAGE AVE
Legal Range	01W
Legal Township	42
Legal Section	36
Legal Quarter	NW
Legal Subdivision	CITY/STCLAIR
Legal Block	99
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1018
Census Tract	800903

Owner

Source: Franklin County records · APN 22-7-36.0-2-099-400.000

Assessment roll updated May 31, 2025 · Last verified November 2025

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

Owner of Record	Owner Name on File
Mailing Address	780 N COMMERCIAL AVE, SAINT CLAIR, MO 63077-1117

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 09, 2006 · Amount on Record
Deed Sale	Feb 09, 2006 · Amount on Record
Prior Sale	Feb 09, 2006
Deed Document Number	0000003038
Last Transfer Date	Jun 27, 2012
Transfer Doc	0000011283
Record Updated	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	145 COTTAGE ST, SAINT CLAIR, MO 63077-1405
Document Number	0000001622
Instrument Date	Jan 22, 2021
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	780 N COMMERCIAL AVE ST CLAIR MO 630771162, ST CLAIR, MO 63077-1162

Mortgage

Document Number	0000001622
Date	Jan 27, 2021
Instrument	1622

Lender

Name	SULLIVAN BK
Address	318 W MAIN ST, SULLIVAN, MO 63080-1960

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated May 31, 2025 · Last verified November 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,003.00 (+15.82%)	$14,892 (+7.09%)	$78,380 (+7.09%) Land $7,280 Building $71,100
2023	$866.00 (+9.07%)	$13,906	$73,190 Land $7,280 Building $65,910
2022	$794.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (29071C), updated June 4, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 15% of Missouri
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.