289 Crescent Lake Rd, Saint Clair, MO 63077 Property Records

Franklin County property record for 289 Crescent Lake Rd, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,455 sqft · built 1998
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$177,500 (Feb 2019)
Tax Bill	$2,280 (2025)
Deeds & Mortgages	May 2025 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-7-35.0-4-005-043.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-35.0-4-005-043.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,455 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)
Patio Area	200 sqft

Location & Zoning

Street Address	289 CRESCENT LAKE RD
City	SAINT CLAIR
State	MO
Zip	63077-1920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:9A CRESCENT LAKE ESTATES RS
Legal Range	1W
Legal Township	42N
Legal Section	35
Legal Subdivision	CRESCENT LAKE ESTATES
Legal Lot Number	9A
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1048
Census Tract	800903

Owner

289 Crescent Lake Rd is owned and occupied by two individuals who bought it in February 2019.

Source: Franklin County records, as of November 11, 2025

Owner of Record	2 Individual Names on File
Mailing Address	289 CRESCENT LAKE RD, SAINT CLAIR, MO 63077-1920
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
May 2, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 30, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Nov 21, 2019	Deed of Trust, Mortgage · VA Mortgage ZILLOW HM LNS LLC
Feb 25, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE LNDR/AMERICA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019 · Amount on File
Deed Sale	Feb 25, 2019 · Amount on File
Prior Sale	Jun 10, 2016 · Amount on File
Deed Document Number	20192133
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	289 CRESCENT LAKE RD, SAINT CLAIR, MO 63077-1920
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002505000
Date	May 2, 2025
Instrument	2505000

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	289 CRESCENT LAKE RD, SAINT CLAIR, MO 63077-1920
Document Number	0000021678
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	289 CRESCENT LAKE RD ST CLAIR MO 630771920, ST CLAIR, MO 63077-1920

Mortgage

Document Number	0000021678
Date	Dec 11, 2020
Instrument	21678

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	289 CRESCENT LAKE RD, SAINT CLAIR, MO 63077-1920
Document Number	0000017028
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	289 CRESCENT LAKE RD ST CLAIR MO 630771920, ST CLAIR, MO 63077-1920

Mortgage

Document Number	0000017028
Date	Dec 11, 2019
Instrument	17028

Lender

Name	ZILLOW HM LNS LLC
Address	OVERLAND PARK, KS 66211

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 25, 2019
Property Address	289 CRESCENT LAKE RD, SAINT CLAIR, MO 63077-1920
Document Number	0000002133
Instrument Date	Feb 20, 2019
Instrument	2133
Transaction Type	Transfer
Record Updated	Mar 19, 2019
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
Relationship	Husband and Wife
Address	289 CRESCENT LAKE RD ST CLAIR MO 630771920, ST CLAIR, MO 63077-1920

Mortgage

Document Number	2134
Date	Feb 25, 2019
Instrument	2134

Lender

Name	MORTGAGE LNDR/AMERICA LLC
Address	OVERLAND PARK, KS 66211

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 289 Crescent Lake Rd was $2,280.

Source: Franklin County assessment roll, as of November 11, 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	$2,280.00	$33,850	$178,160 Land $24,070 Building $154,090
2023	$1,859.00 (-7.42%)	$29,843	$157,070 Land $24,070 Building $133,000
2022	$2,008.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 289 Crescent Lake Rd 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 289 Crescent Lake Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 138 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

May also be available: T-Mobile.

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