225 3rd St, Osceola, MO 64776 Property Records

St. Clair County property record for 225 3rd St, Osceola, MO 64776

Property Summary

Property Type	Single Family Home
Details	2,164 sqft · built 1890
Owner	Individual Name on Record
Tax Bill	$382 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2021 Mortgage + 1 more
APN	`09-4.0-20-002-027-003.00`

Property Details

APN / Parcel Number

Primary APN	`09-4.0-20-002-027-003.00`
Alternative APN	`6807`

Interior

Stories	1 Story
Building Area	2,164 sqft Living Area
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Hip
Roof Material	Asphalt

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	225 3RD ST
City	OSCEOLA
State	MO
Zip	64776-2454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 & 1/2 LOT 5 ADJ LOT 6 BLK 35 OSCEOLA ORIGI NAL TOWN
Legal Block	35
Legal Lot Number	5,6
Jurisdiction	SAINT CLAIR MO
Township / Civil Division	OSCEOLA
Census Block Group	1
Census Block	1146
Census Tract	480300

Owner

Source: St. Clair County records, as of February 23, 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	Individual Name on Record
Mailing Address	315 LIBBY ST, OSCEOLA, MO 64776-2833
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Warranty Deed, Transfer · Line of Credit ST CLAIR COUNTY STATE BANK
Oct 25, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage LAUREL J GARMAN ETUAL
Aug 1, 2018	Warranty Deed, Transfer · Line of Credit ST CLAIR COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022
Deed Sale	Aug 3, 2022
Prior Sale	Oct 25, 2021
Deed Document Number	0000645386
Deed Book / Page	645 / 386
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Aug 3, 2022
Property Address	225 3RD ST, OSCEOLA, MO 64776-2454
Document Number	000645/386
Book / Page	645 / 386
Instrument Date	Aug 3, 2022
Transaction Type	Transfer
Record Updated	Sep 20, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 3RD ST, OSCEOLA, MO 64776-2454

Mortgage

Document Number	0000645388
Date	Aug 3, 2022
Instrument	645/388

Lender

Name	ST CLAIR COUNTY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Oct 25, 2021
Property Address	225 3RD ST, OSCEOLA, MO 64776-2454
Document Number	000638/877
Book / Page	638 / 877
Instrument Date	Oct 21, 2021
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	NOT AVAILABLE, MISSOURI LAND TITLE SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10830 MULBERRY DR, FORISTELL, MO 63348-2466

Mortgage

Document Number	0000638879
Date	Oct 25, 2021
Instrument	638/879

Lender

Name	LAUREL J GARMAN ETUAL
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Aug 1, 2018
Property Address	225 3RD ST, OSCEOLA, MO 64776-2454
Document Number	00613/0635
Book / Page	613 / 0635
Instrument Date	Jul 31, 2018
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CEDAR ST, OSCEOLA, MO 64776-9336

Mortgage

Document Number	0006130637
Date	Aug 1, 2018
Instrument	613/0637

Lender

Name	ST CLAIR COUNTY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Clair County
Municipality	Osceola City
Unified School District	Osceola School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$382.00 (+10.4%)	$5,500 (-)	$29,200 (-) Land $2,600 Building $26,600
2023	$346.00 (+1.17%)	$5,500	$29,200 Land $2,600 Building $26,600
2022	$342.00

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OSCEOLA PWS serves 947 people · EPA ID MO5010612
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Brightspeed DSL	100 / 10

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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