Franklin County property record for 235 Cottage St, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,000 sqft · built 1989 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,461 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Nov 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-36.0-2-022-406.000 |
| Primary APN | 22-7-36.0-2-022-406.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Street Address | 235 COTTAGE ST |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-1407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:16&17 MAPLE HEIGHTS ADDN |
| Legal Range | 01W |
| Legal Township | 42 |
| Legal Section | 36 |
| Legal Quarter | NW |
| Legal Subdivision | MAPLE HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 16,17 17 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 800903 |
Source: Franklin County records, as of November 10, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 235 COTTAGE ST, SAINT CLAIR, MO 63077-1407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2021 | Warranty Deed, Transfer SULLIVAN BK |
| Nov 14, 2018 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI |
| Mar 13, 2018 | Warranty Deed, Transfer · Line of Credit FARMERS & MERCHANTS BK/ST CLAI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2021 |
| Deed Sale | Jan 19, 2021 |
| Deed Document Number | 2101107 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jan 19, 2021 |
| Property Address | 235 COTTAGE ST, SAINT CLAIR, MO 63077-1407 |
| Document Number | 0000001107 |
| Instrument Date | Jan 13, 2021 |
| Instrument | 1107 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2021 |
| Title Company | FRANKLIN COUNTY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 235 COTTAGE ST ST CLAIR MO 630771407, ST CLAIR, MO 63077-1407 |
| Document Number | 1108 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 1108 |
| Name | SULLIVAN BK |
|---|---|
| Address | SULLIVAN, MO 63080 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 18, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 235 COTTAGE ST, SAINT CLAIR, MO 63077-1407 |
| Document Number | 0000016090 |
| Instrument Date | Nov 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1125 BARDOT ST ST CLAIR MO 630771707, ST CLAIR, MO 63077-1707 |
| Document Number | 0000016090 |
|---|---|
| Date | Nov 21, 2018 |
| Instrument | 16090 |
| Name | FARMERS & MERCHANTS BK/ST CLAI |
|---|---|
| Type | Bank |
| Address | SAINT CLAIR, MO 63077 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 20, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Mar 13, 2018 |
| Property Address | 235 COTTAGE ST, SAINT CLAIR, MO 63077-1407 |
| Document Number | 0000003229 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 3229 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2018 |
| Title Company | FRANKLIN COUNTY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1125 BARDOT ST ST CLAIR MO 630771707, ST CLAIR, MO 63077-1707 |
| Document Number | 3230 |
|---|---|
| Date | Mar 13, 2018 |
| Instrument | 3230 |
| Name | FARMERS & MERCHANTS BK/ST CLAI |
|---|---|
| Type | Bank |
| Address | SAINT CLAIR, MO 63077 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 12, 2033 |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | St. Clair City |
| Unified School District | St. Clair R-XIII School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,461.00 (+8.22%) | $21,694 (+0.12%) | $114,180 (+0.11%) Land $14,560 Building $99,620 |
| 2023 | $1,350.00 (+12.13%) | $21,669 | $114,050 Land $14,560 Building $99,490 |
| 2022 | $1,204.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | ST CLAIR PWS serves 4,700 people · EPA ID MO6010708 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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