190 Meramec Dr, Saint Clair, MO 63077 Property Records

Franklin County property record for 190 Meramec Dr, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	2,560 sqft · built 2016
Lot Size	24.2 acres (1,054,152 sqft)
Owner	2 Individual Names on Record
Tax Bill	$214 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`29-8-27.2-0-000-038.000`

Property Details

APN / Parcel Number

Primary APN	`29-8-27.2-0-000-038.000`

Interior

Units	10 Units
Building Area	2,560 sqft Living Area
1st Floor Area	2,560 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	1,054,152 sqft (24.2 acres)
Utility Building	2,560 sqft

Location & Zoning

Street Address	190 MERAMEC DR
City	SAINT CLAIR
State	MO
Zip	63077-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	PT LOT3 SW N OF MERAMEC RIVER
Legal Range	1W
Legal Township	41N
Legal Section	27
Legal Lot Number	3
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1018
Census Tract	800901

Owner

Source: Franklin County records, as of November 11, 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	190 MERAMEC DR, SAINT CLAIR, MO 63077-2913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
May 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 5, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 19, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2022
Deed Sale	Jul 11, 2022
Prior Sale	Feb 22, 2013 · Amount on Record
Deed Document Number	202210957
Prior Transfer Date	Apr 19, 2019
Prior Transfer Doc	0000005807
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	190 MERAMEC DR, SAINT CLAIR, MO 63077-2913
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002104735
Date	Mar 15, 2021
Instrument	2104735

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 26, 2022

Interest

Rate Type	Fixed Rate

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 15, 2019
Property Address	190 MERAMEC DR, SAINT CLAIR, MO 63077-2913
Document Number	0000005807
Instrument Date	Apr 19, 2019
Instrument	5807
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1263 PICKLES FORD RD ST CLAIR MO 630774527, ST CLAIR, MO 63077-4527

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 5, 2018
Property Address	190 MERAMEC DR, SAINT CLAIR, MO 63077-2913
Document Number	0000013905
Instrument Date	Oct 4, 2018
Instrument	13905
Transaction Type	Transfer
Record Updated	Oct 19, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1591 GULF BOULEVARD CONDO #305 CLEARWATER FL 33767, 305, CLEARWATER, FL 33767

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	190 MERAMEC DR, SAINT CLAIR, MO 63077-2913
Document Number	0000012996
Instrument Date	Aug 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1263 PICKLES FORD RD ST CLAIR MO 630774527, ST CLAIR, MO 63077-4527

Mortgage

Document Number	0000012996
Date	Aug 25, 2017
Instrument	12996

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 24, 2032

Interest

Rate Type	Adjustable 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	$214.00 (+9.74%)	$3,544 (+0.68%)	$22,540 (-1.66%) Land $15,720 Building $6,820
2023	$195.00 (-13.72%)	$3,520	$22,920 Land $14,720 Building $8,200
2022	$226.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
Wisper ISP Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Meramec Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures