25 W Oak St, Saint Clair, MO 63077 Property Records

Franklin County property record for 25 W Oak St, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,236 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$1,452 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-7-35.0-1-002-009.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-35.0-1-002-009.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area

Exterior

Year Built	Built 1920
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	25 W OAK ST
City	SAINT CLAIR
State	MO
Zip	63077-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:3,5&PT2 CEDAR CREST
Legal Range	01W
Legal Township	42
Legal Section	35
Legal Quarter	NE
Legal Subdivision	CEDAR CREST (LOC 22)
Legal Block	2
Legal Lot Number	3,5 5
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1018
Census Tract	800903

Owner

25 W Oak St is owned and occupied by an individual who acquired it in January 2026.

Source: Franklin County records, as of February 3, 2026

Owner of Record	Individual Name on File
Mailing Address	25 W OAK ST, SAINT CLAIR, MO 63077-1449
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Feb 1, 2024	Special Warranty Deed, Transfer · Line of Credit UNITED BANK OF UNION
Sep 25, 2023	Deed, Foreclosure
Jan 29, 2018	Warranty Deed, Transfer STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2026
Deed Sale	Jan 6, 2026
Prior Sale	Feb 1, 2024
Deed Document Number	2600130
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 6, 2026
Property Address	25 W OAK ST, SAINT CLAIR, MO 63077-1449
Document Number	0002600130
Map Reference	PB C PG 40
Instrument Date	Dec 30, 2025
Instrument	2600130
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	USTC, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 W OAK ST, SAINT CLAIR, MO 63077-1449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 W OAK ST, SAINT CLAIR, MO 63077-1449

Mortgage

Document Number	0002600131
Date	Jan 6, 2026
Instrument	2600131

Lender

Name	NEW AMERICAN FUNDING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

February 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 1, 2024
Property Address	25 W OAK ST, SAINT CLAIR, MO 63077-1449
Document Number	0002401259
Map Reference	PB C PG 40
Instrument Date	Jan 31, 2024
Instrument	2401259
Transaction Type	Transfer
Record Updated	Feb 21, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 W OAK ST, SAINT CLAIR, MO 63077-1449

Mortgage

Document Number	0002401260
Date	Feb 1, 2024
Instrument	2401260

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2023: Deed, Foreclosure

Document Type	Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 25, 2023
Property Address	25 W OAK ST, SAINT CLAIR, MO 63077-1449
Document Number	0002311331
Map Reference	PB C PG 40
Instrument Date	Sep 25, 2023
Instrument	2311331
Transaction Type	Foreclosure
Record Updated	Oct 11, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13160 FOSTER ST STE 100, 100, OVERLAND PARK, KS 66213-2848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 SEMMES AVE, RICHMOND, VA 23224-2245

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 29, 2018
Property Address	25 W OAK ST, SAINT CLAIR, MO 63077-1449
Document Number	0000001159
Instrument Date	Jan 25, 2018
Instrument	1159
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 W OAK ST ST CLAIR MO 630771449, ST CLAIR, MO 63077-1449

Mortgage

Document Number	1160
Date	Jan 29, 2018
Instrument	1160

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 25 W Oak St was $1,452.

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,452.00	$21,567	$113,510 Land $10,400 Building $103,110
2023	$1,123.00 (-2.69%)	$18,033	$94,910 Land $10,400 Building $84,510
2022	$1,154.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 25 W Oak St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 25 W Oak St is low, with a 0.01% annual chance of 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	0.01% 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	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

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 98 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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