1651 Ridgewood Ct, Saint Clair, MO 63077 Property Records

Franklin County property record for 1651 Ridgewood Ct, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,220 sqft · built 1979
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Tax Bill	$2,366 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-3-08.0-2-000-001.100`

Property Details

APN / Parcel Number

Primary APN	`30-3-08.0-2-000-001.100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,220 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	174,240 sqft (4 acres)
Patio Area	384 sqft
Shed	1 Shed

Location & Zoning

Street Address	1651 RIDGEWOOD CT
City	SAINT CLAIR
State	MO
Zip	63077-3419
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
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
Mailing Address	1651 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL MORTGAGE
Dec 14, 2017	Warranty Deed, Transfer PACIFIC UNION FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2017
Deed Sale	Dec 14, 2017
Prior Sale	Dec 8, 2005
Deed Document Number	1718899
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1651 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3419
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002104625
Date	Mar 12, 2021
Instrument	2104625

Lender

Name	MUTUAL MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 14, 2017
Property Address	1651 RIDGEWOOD CT, SAINT CLAIR, MO 63077-3419
Document Number	0000018899
Instrument Date	Dec 8, 2017
Instrument	18899
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 RIDGEWOOD CT ST CLAIR MO 630773419, ST CLAIR, MO 63077-3419

Mortgage

Document Number	18900
Date	Dec 14, 2017
Instrument	18900

Lender

Name	PACIFIC UNION FIN'L
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2047

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	$2,366.00 (+24.4%)	$39,100 (+13.96%)	$205,790 (+13.96%) Land $27,000 Building $178,790
2023	$1,902.00 (+4.79%)	$34,310	$180,580 Land $23,000 Building $157,580
2022	$1,815.00

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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