Franklin County property record for 188 Scarlet Oak Loop, Villa Ridge, MO 63089
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 2,780 sqft · built 2005 |
| Lot Size | 1.9 acres (82,764 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,168 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-4-17.0-0-013-028.160 |
| Primary APN | 18-4-17.0-0-013-028.160 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,780 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Other |
| Construction Type | Frame |
| Lot Area | 82,764 sqft (1.9 acres) |
| Street Address | 188 SCARLET OAK LOOP |
|---|---|
| City | VILLA RIDGE |
| State | MO |
| Zip | 63089-1141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ANU |
| Legal Description | LOT:33 OAK HOLLOW PL1 |
| Legal Range | 01E |
| Legal Township | 43 |
| Legal Section | 17 |
| Legal Subdivision | OAK HOLLOW |
| Legal Block | 13 |
| Legal Lot Number | 33 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 800104 |
188 Scarlet Oak Loop is owned and occupied by an individual who acquired it in November 2021.
Source: Franklin County records, as of November 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 188 SCARLET OAK LOOP, VILLA RIDGE, MO 63089-1141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Nov 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2021 |
| Deed Sale | Nov 17, 2021 |
| Deed Document Number | 2121641 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 188 SCARLET OAK LOOP, VILLA RIDGE, MO 63089-1141 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002103157 |
|---|---|
| Date | Feb 22, 2021 |
| Instrument | 2103157 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Nov 17, 2021 |
| Property Address | 188 SCARLET OAK LOOP, VILLA RIDGE, MO 63089-1141 |
| Document Number | 0002121641 |
| Map Reference | DOC 200402839 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2121641 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | NOT AVAILABLE, INVESTORS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29479 HIGHWAY J, 29479, GRAVOIS MILLS, MO 65037-5308 |
| Name | Verified Name |
|---|---|
| Address | 29479 HIGHWAY J, GRAVOIS MILLS, MO 65037-5308 |
| Document Number | 0002121642 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 2121642 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 188 Scarlet Oak Loop was $4,168.
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | Washington School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,168.00 | $76,878 | $404,620 Land $60,000 Building $344,620 |
| 2023 | $3,332.00 (-13.79%) | $60,253 | $317,120 Land $60,000 Building $257,120 |
| 2022 | $3,865.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 188 Scarlet Oak Loop in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 in force |
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 risk around 188 Scarlet Oak Loop is low, with a 0.06% annual chance of 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 67% of Missouri |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wisper ISP Fixed Wireless | 400 / 30 |
| BlueBit Networks Fiber | 200 / 200 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures