1820 Hwy K, Saint Clair, MO 63077 Property Records

Franklin County property record for 1820 Hwy K, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,139 sqft · built 1926
Lot Size	1 acres (43,559 sqft)
Owner	2 Company Names on Record
Last Sale	$150,500 (May 2021)
Tax Bill	$1,281 (2025)
Deeds & Mortgages	Dec 2022 Sale Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-3-08.0-2-002-098.000`

Property Details

APN / Parcel Number

Primary APN	`30-3-08.0-2-002-098.000`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,139 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Construction Type	Frame
Lot Area	43,559 sqft (1 acres)
Patio Area	708 sqft

Location & Zoning

Street Address	1820 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:96,97&8 BENOIST PINEY BLUFF PARK
Legal Range	1E
Legal Township	41N
Legal Section	08
Legal Subdivision	BENOIST PINEY BLUFF PARK
Legal Lot Number	8,96,97
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1015
Census Tract	800901

Owner

Source: Franklin County records, as of September 28, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1904 WITHNELL AVE, SAINT LOUIS, MO 63118-2517
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2022	Warranty Deed, Transfer
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
May 13, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Prior Sale	Mar 11, 2010 · Amount on Record
Deed Document Number	20219072
Prior Transfer Date	Jul 10, 2009
Prior Transfer Doc	0000015079
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 13, 2022
Property Address	1820 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Document Number	0002218475
Map Reference	PB C PG 64
Instrument Date	Dec 9, 2022
Instrument	2218475
Transaction Type	Transfer
Record Updated	Jan 4, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1904 WITHNELL AVE, SAINT LOUIS, MO 63118-2517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 WITHNELL AVE, SAINT LOUIS, MO 63118-2517

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1820 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002105187
Date	Mar 19, 2021
Instrument	2105187

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 13, 2021
Property Address	1820 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Document Number	0002109072
Map Reference	PB C PG 64
Instrument Date	May 5, 2021
Instrument	2109072
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Investor	Possibly a Property Investor

Mortgage

Document Number	0002109073
Date	May 13, 2021
Instrument	2109073

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 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	$1,281.00 (+17.96%)	$21,179 (+8.12%)	$111,470 (+8.12%) Land $12,000 Building $99,470
2023	$1,086.00 (+13.84%)	$19,589	$103,100 Land $11,000 Building $92,100
2022	$954.00

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.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 40% of the US · lower than 60% 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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