1870 Hwy K, Saint Clair, MO 63077 Property Records

Franklin County property record for 1870 Hwy K, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,296 sqft · built 2023
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$593,880 (Sep 2026)
Tax Bill	$6,108 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30-3-08.0-3-001-015.000`

Property Details

APN / Parcel Number

Primary APN	`30-3-08.0-3-001-015.000`

Interior

Bedrooms	3 Beds
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,296 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Utility Building	448 sqft

Location & Zoning

Street Address	1870 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:PT11&PT12 PINEY BLUFF PARK
Legal Range	1E
Legal Township	41N
Legal Section	08
Legal Subdivision	PINEY BLUFF PARK
Legal Lot Number	11
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1015
Census Tract	800901

Owner

1870 Hwy K is owned and occupied by two individuals who bought it in September 2026.

Source: Franklin County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1870 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD
Jul 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD
Dec 29, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS & MERCHANTS NATL BANK
Feb 13, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2026 · Amount on File
Deed Sale	Sep 29, 2026 · Amount on File
Deed Document Number	20262613019
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 29, 2026
Property Address	1870 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Document Number	0002613019
Instrument Date	Sep 24, 2026
Instrument	20262613019
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	ICE MORTGAGE TECHNOLOGY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 HIGHWAY K, SAINT CLAIR, MO 63077-3502

Mortgage

Document Number	0002613020,
Date	Sep 29, 2026
Instrument	20262613020

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1870 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002210858
Date	Jul 8, 2022
Instrument	2210858

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1870 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	OLD REPUBLIC TITLE, ORT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002308021
Date	Jul 12, 2023
Instrument	2308021

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.95%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Min Rate At Change	4.95%
Max Rate At Change	8.95%
Index	Other
Margin	4
Max Rate	12.9%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 29, 2021
Property Address	1870 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Document Number	0002124218
Map Reference	PB C PG 15
Instrument Date	Dec 28, 2021
Instrument	2124218
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1978 VIRGINIA MINES RD, SAINT CLAIR, MO 63077-3537

Mortgage

Document Number	0002124219
Date	Dec 29, 2021
Instrument	2124219

Lender

Name	FARMERS & MERCHANTS NATL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 28, 2041

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1870 HIGHWAY K, SAINT CLAIR, MO 63077-3502
Document Number	0000002741
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1935 WHITE OAK LN ST CLAIR MO 630773454, ST CLAIR, MO 63077-3454

Mortgage

Document Number	0000002741
Date	Feb 26, 2020
Instrument	2741

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 25, 2025

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1870 Hwy K was $6,108.

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	$6,108.00	$100,931	$539,040 Land $49,500 Building $489,540
2023	$226.00 (+1.35%)	$4,080	$34,000 Land $34,000
2022	$223.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1870 Hwy K in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1870 Hwy K is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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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