1804 Hwy K, Saint Clair, MO 63077 Property Records

Franklin County property record for 1804 Hwy K, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,313 sqft · built 1920
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,435 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-3-08.0-2-002-055.000`

Property Details

APN / Parcel Number

Primary APN	`30-3-08.0-2-002-055.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,313 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	30,492 sqft (0.7 acres)
Garage Area	858 sqft
Patio Area	112 sqft

Location & Zoning

Street Address	1804 HIGHWAY K
City	SAINT CLAIR
State	MO
Zip	63077-3502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	LOT:18,21&PT17 BENOIST PINEY BLUFF PARK
Legal Range	01E
Legal Township	41
Legal Section	08
Legal Quarter	NW
Legal Subdivision	BENOIST PINEY BLUFF PARK
Legal Block	2
Legal Lot Number	18,21 21
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1015
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	2 Individual Names on Record
Mailing Address	1804 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS & MECHANICS BANK
Jul 26, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS NATL BANK
Feb 27, 2020	Warranty Deed, Transfer · FHA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2020
Deed Sale	Feb 27, 2020
Deed Document Number	2002819
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1804 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002600477
Date	Jan 14, 2026
Instrument	2600477

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 9, 2031

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1804 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002308670
Date	Jul 26, 2023
Instrument	2308670

Lender

Name	FARMERS & MERCHANTS NATL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 21, 2028

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 27, 2020
Property Address	1804 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Document Number	0000002819
Instrument Date	Feb 26, 2020
Instrument	2819
Transaction Type	Transfer
Record Updated	Mar 5, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	111 CARRINGTON BLVD TROY MO 633792411, TROY, MO 63379-2411

Mortgage

Document Number	2820
Date	Feb 27, 2020
Instrument	2820

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

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	$1,435.00 (+14.89%)	$23,721 (+5.23%)	$124,850 (+5.23%) Land $9,660 Building $115,190
2023	$1,249.00 (+7.67%)	$22,542	$118,640 Land $8,990 Building $109,650
2022	$1,160.00

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 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.05% 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 49 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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