281 Griffin Rd, Saint Clair, MO 63077 Property Records

Franklin County property record for 281 Griffin Rd, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,179 sqft · built 2021
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,892 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-8-27.1-0-004-003.400`

Property Details

APN / Parcel Number

Primary APN	`29-8-27.1-0-004-003.400`

Interior

Bedrooms	3 Beds
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,179 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Lot Area	261,360 sqft (6 acres)

Location & Zoning

Street Address	281 GRIFFIN RD
City	SAINT CLAIR
State	MO
Zip	63077-4524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 WALDO HILLS PLAT 2PT NE
Legal Subdivision	WALDO HILLS PLAT 2 SUB
Legal Lot Number	3
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1018
Census Tract	800901

Owner

Source: Franklin County records, as of April 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	281 GRIFFIN RD, SAINT CLAIR, MO 63077-4524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit FIRST STATE COMMUNITY BANK
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE COMMUNITY BANK
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE COMMUNITY BANK
Feb 26, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021
Deed Sale	Feb 26, 2021
Deed Document Number	20213560
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Recording Date	Apr 7, 2026
Property Address	281 GRIFFIN RD, SAINT CLAIR, MO 63077-4524
Document Number	0002604319
Instrument Date	Apr 2, 2026
Instrument	20262604319
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 GRIFFIN RD, SAINT CLAIR, MO 63077-4524

Mortgage

Document Number	0002604319,
Date	Apr 7, 2026
Instrument	20262604319

Lender

Name	FIRST STATE COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	281 GRIFFIN RD, SAINT CLAIR, MO 63077-4524
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002203184
Date	Mar 1, 2022
Instrument	2203184

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	281 GRIFFIN RD, SAINT CLAIR, MO 63077-4524
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002114813
Date	Aug 9, 2021
Instrument	2114813

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 26, 2021
Property Address	281 GRIFFIN RD, SAINT CLAIR, MO 63077-4524
Document Number	0002103560
Map Reference	DOC 2101720
Instrument Date	Feb 25, 2021
Instrument	2103560
Transaction Type	Transfer
Record Updated	Jan 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	235 GRIFFIN RD, SAINT CLAIR, MO 63077-4524

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,892.00 (+13.61%)	$80,834 (+4.07%)	$427,190 (+4.14%) Land $35,500 Building $391,690
2023	$4,306.00 (+22.75%)	$77,672	$410,200 Land $29,800 Building $380,400
2022	$3,508.00

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, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	78 (1979–2024)
Claims Outside the SFHA	7 of 78
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 14 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 11 claims Severe Storms And Flooding, Mar 2008 · 12 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
Verizon Fixed Wireless	25 / 6

May also be available: BlueBit Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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