1644 Ridgewood Ct, Saint Clair, MO 63077 Property Records

Franklin County property record for 1644 Ridgewood Ct, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,232 sqft · built 1990
Lot Size	4.69 acres (204,732 sqft)
Owner	Individual Name on Record
Tax Bill	$2,446 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-3-08.0-2-000-001.110`

Property Details

APN / Parcel Number

Primary APN	`30-3-08.0-2-000-001.110`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 1990
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	204,732 sqft (4.69 acres)

Location & Zoning

Street Address	1644 RIDGEWOOD CT
City	SAINT CLAIR
State	MO
Zip	63077-3418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	PT NE NW N COURTNEY RD
Legal Range	01E
Legal Township	41
Legal Section	08
Legal Quarter	NW
Legal Subdivision	BENOIST SUB
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1001
Census Tract	800901

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1644 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Warranty Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC
May 28, 2019	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI
Mar 11, 2019	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2021
Deed Sale	Nov 18, 2021
Prior Sale	Jun 11, 2013
Deed Document Number	2121661
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Nov 18, 2021
Property Address	1644 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3418
Document Number	0002121661
Instrument Date	Nov 15, 2021
Instrument	2121661
Transaction Type	Transfer
Record Updated	Jan 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1644 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3418

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1644 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3418
Investor	Possibly a Property Investor

Mortgage

Document Number	0002121662
Date	Nov 18, 2021
Instrument	2121662

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1644 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3418
Document Number	0000006976
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1644 RIDGEWOOD CT ST CLAIR MO 630773418, ST CLAIR, MO 63077-3418

Mortgage

Document Number	0000006976
Date	Jun 6, 2019
Instrument	6976

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 5, 2034

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1644 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3418
Document Number	0000003203
Instrument Date	Mar 11, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1644 RIDGEWOOD CT ST CLAIR MO 630773418, ST CLAIR, MO 63077-3418

Mortgage

Document Number	0000003203
Date	Mar 20, 2019
Instrument	3203

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 19, 2034

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	$2,446.00 (+23.97%)	$40,421 (+13.58%)	$212,740 (+13.58%) Land $30,500 Building $182,240
2023	$1,973.00 (-1.15%)	$35,589	$187,310 Land $25,800 Building $161,510
2022	$1,996.00

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	78 (1979–2024)
Claims Outside the SFHA	7 of 78
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 14 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 11 claims Severe Storms And Flooding, Mar 2008 · 12 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 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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