265 3rd St, Osceola, MO 64776 Property Records

St. Clair County property record for 265 3rd St, Osceola, MO 64776

Property Summary

Property Type	Single Family Home
Details	1,260 sqft · built 2017
Owner	Individual Name on Record
Tax Bill	$723 (2022)
Deeds & Mortgages	May 2017 Construction Loan Jun 2018 Mortgage + 4 more
APN	`09-4.0-20-002-027-002.01`

Property Details

APN / Parcel Number

Primary APN	`09-4.0-20-002-027-002.01`
Alternative APN	`6806`

Interior

Stories	1 Story
Building Area	1,260 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Utility Building	240 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	265 3RD ST
City	OSCEOLA
State	MO
Zip	64776-2454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 BLK 35 OSCEOLA ORIGINAL TOWN
Legal Block	35
Legal Lot Number	1
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	265 3RD ST, OSCEOLA, MO 64776-2454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2017	Deed of Trust, Mortgage · Construction Mortgage HAWTHORN BANK
Jun 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage HAWTHORN BANK
Jun 17, 2025	Warranty Deed, Transfer
Oct 28, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 12, 2021	Warranty Deed, Transfer · Line of Credit ST CLAIR COUNTY STATE BANK
Sep 23, 2020	Warranty Deed, Transfer · Line of Credit ST CLAIR COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2025
Deed Sale	Jun 17, 2025
Prior Sale	Oct 28, 2022
Deed Document Number	0000659554
Deed Book / Page	659 / 554
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MO
Property Address	265 3RD ST, OSCEOLA, MO 64776-2454
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000605/957
Date	May 30, 2017
Book Page	605/957

Lender

Name	HAWTHORN BANK
Type	Bank
Address	JEFFERSON CITY, MO 65109

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jun 1, 2018

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MO
Property Address	265 3RD ST, OSCEOLA, MO 64776-2454
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000612/650
Date	Jun 13, 2018
Book Page	612/650

Lender

Name	HAWTHORN BANK
Type	Bank
Address	JEFFERSON CITY, MO 65102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Jun 17, 2025
Property Address	265 3RD ST, OSCEOLA, MO 64776-2454
Document Number	000659/554
Book / Page	659 / 554
Instrument Date	Jun 17, 2025
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 3RD ST, OSCEOLA, MO 64776-2454

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Oct 28, 2022
Property Address	265 3RD ST, OSCEOLA, MO 64776-2454
Document Number	00646/1020
Book / Page	646 / 1020
Instrument Date	Oct 27, 2022
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 3RD ST, OSCEOLA, MO 64776-2454

Mortgage

Document Number	0006461022
Date	Oct 28, 2022
Instrument	646/1022

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Jul 12, 2021
Property Address	265 3RD ST, OSCEOLA, MO 64776-2454
Document Number	0000636/38
Book / Page	636 / 38
Instrument Date	Jul 9, 2021
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 3RD ST, OSCEOLA, MO 64776-2454

Mortgage

Document Number	0000063640
Date	Jul 12, 2021
Instrument	636/40

Lender

Name	ST CLAIR COUNTY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Sep 9, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Sep 23, 2020
Property Address	265 3RD ST, OSCEOLA, MO 64776-2454
Document Number	000628/973
Book / Page	628 / 973
Instrument Date	Sep 14, 2020
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 497, OSCEOLA, MO 64776-0497

Mortgage

Document Number	0000628975
Date	Sep 23, 2020
Instrument	628/975

Lender

Name	ST CLAIR COUNTY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Nov 22, 2025

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		$11,600 (-)	$60,800 (-) Land $1,700 Building $59,100
2024		$11,600 (-)
2023		$11,600	$60,800 Land $1,700 Building $59,100
2022	$723.00

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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