265 4th St, Osceola, MO 64776 Property Records

St. Clair County property record for 265 4th St, Osceola, MO 64776

Property Summary

Property Type	Single Family Home
Details	2 bd · 960 sqft · built 1975
Owner	Individual Name on File
Tax Bill	$421 (2023)
Deeds & Mortgages	Oct 2026 Mortgage Apr 2009 Mortgage + 3 more
APN	`09-4.0-20-002-026-003.00`

Property Details

APN / Parcel Number

Primary APN	`09-4.0-20-002-026-003.00`
Alternative APN	`6800`

Interior

Bedrooms	2 Beds
Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Garage Type	Carport
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Utility Building	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	265 4TH ST
City	OSCEOLA
State	MO
Zip	64776-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LT 2 & ALL LT 3 BLK 38 OSCEOLA ORIGINAL TOWN
Legal Block	38
Legal Lot Number	2-3
Jurisdiction	SAINT CLAIR MO
Township / Civil Division	OSCEOLA
Census Block Group	1
Census Block	1145
Census Tract	480300

Owner

265 4th St is owned and occupied by an individual who acquired it in January 2025.

Source: St. Clair County records, as of March 5, 2026

Owner of Record	Individual Name on File
Mailing Address	265 4TH ST, OSCEOLA, MO 64776-9330
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
Oct 16, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 24, 2009	Deed of Trust, Mortgage · Conventional Mortgage HAWTHORN BANK
Jan 21, 2025	Warranty Deed, Transfer · FHA Mortgage NEIGHBORS BANK
Oct 30, 2018	Warranty Deed, Transfer
Aug 1, 2008	Warranty Deed, Transfer · Line of Credit HAWTHORN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2025
Deed Sale	Jan 21, 2025
Prior Sale	Oct 30, 2018
Deed Document Number	0000658659
Deed Book / Page	658 / 659
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Oct 16, 2026
Property Address	265 4TH ST, OSCEOLA, MO 64776-9330
Document Number	0000001849
Book / Page	662 / 434
Instrument Date	Oct 15, 2026
Instrument	20261849
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8617 FOREST GLEN DR, IRVING, TX 75063-4202

Mortgage

Document Number	0000001850,
Date	Oct 16, 2026
Instrument	20261850

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MO
Property Address	265 4TH ST, OSCEOLA, MO 64776-9330
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000555/902
Date	Apr 24, 2009
Book Page	555/902

Lender

Name	HAWTHORN BANK
Type	Bank
Address	OSCEOLA, MO 64776

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Jan 21, 2025
Property Address	265 4TH ST, OSCEOLA, MO 64776-9330
Document Number	000658/659
Book / Page	658 / 659
Instrument Date	Jan 17, 2025
Transaction Type	Transfer
Record Updated	Mar 6, 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 4TH ST, OSCEOLA, MO 64776-9330

Mortgage

Document Number	0000658660
Date	Jan 21, 2025
Instrument	658/660

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Oct 30, 2018
Property Address	265 4TH ST, OSCEOLA, MO 64776-9330
Document Number	00615/0158
Book / Page	615 / 0158
Instrument Date	Oct 26, 2018
Transaction Type	Transfer
Record Updated	Mar 6, 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 137, OSCEOLA, MO 64776-0137

August 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Aug 1, 2008
Property Address	265 4TH ST, OSCEOLA, MO 64776-9330
Document Number	00550/1236
Book / Page	550 / 1236
Instrument Date	Jul 31, 2008
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 4TH ST, OSCEOLA, MO 64776-9330

Mortgage

Document Number	0550001238
Date	Aug 1, 2008
Instrument	550001238

Lender

Name	HAWTHORN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

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		$6,700	$35,000 Land $2,600 Building $32,400
2023	$421.00 (+0.96%)	$6,700	$35,000 Land $2,600 Building $32,400
2022	$417.00

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

Flood

FEMA has no flood map on file for 265 4th St.

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

Wildfire risk around 265 4th St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Brightspeed DSL	40 / 3

May also be available: Conexon Connect, Rocket Connect, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 4th St

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