Madison County property record for 302 Spruce St, Fredericktown, MO 63645
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1,116 sqft · built 2003 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $56,300 (Jun 2016) |
| Tax Bill | $866 (2025) |
| Deeds & Mortgages | Jun 2016 Mortgage Jan 2025 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-3.2-08-001-020-017.001 |
| Primary APN | 07-3.2-08-001-020-017.001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,116 sqft Living Area |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 120 ft deep x 68.2 ft wide |
| Utility Building | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 302 SPRUCE ST |
|---|---|
| City | FREDERICKTOWN |
| State | MO |
| Zip | 63645-7418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LTS 7&8 BLK 6 GRAHAM SUBD |
| Legal Range | 07 |
| Legal Township | 33 |
| Legal Section | 08 |
| Legal Subdivision | GRAHAM SUB |
| Legal Block | 6 |
| Legal Lot Number | 7-8 |
| Jurisdiction | MADISON MO |
| Township / Civil Division | ST. MICHAEL |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 960201 |
Source: Madison County records, as of January 13, 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 | 7454 MELODY HILL DR, DITTMER, MO 63023-1217 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2016 | Deed of Trust, Mortgage · Conventional Mortgage OZARKS FSLA |
| Jan 8, 2025 | Warranty Deed, Transfer |
| Jun 10, 2016 | Warranty Deed, Transfer |
| Aug 25, 2006 | Intrafamily Transfer, Transfer |
| Jul 19, 2005 | Warranty Deed, Transfer · ARM FIRST FRANKLIN FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2016 · Amount on Record |
| Deed Sale | Jun 10, 2016 · Amount on Record |
| Prior Sale | Jul 19, 2005 · Amount on Record |
| Deed Book / Page | 474 / 749 |
| Prior Transfer Date | Aug 24, 2006 |
| Prior Transfer Doc | 00372/0071 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MO |
| Property Address | 302 SPRUCE ST, FREDERICKTOWN, MO 63645-7418 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000474/751 |
|---|---|
| Date | Jun 10, 2016 |
| Book Page | 474/751 |
| Name | OZARKS FSLA |
|---|---|
| Type | Bank |
| Address | FARMINGTON, MO 63640 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MO |
| Recording Date | Jan 8, 2025 |
| Property Address | 302 SPRUCE ST, FREDERICKTOWN, MO 63645-7418 |
| Document Number | 000571/857 |
| Book / Page | 571 / 857 |
| Instrument Date | Jan 3, 2025 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7454 MELODY HILL DR, DITTMER, MO 63023-1217 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MO |
| Recording Date | Jun 10, 2016 |
| Property Address | 302 SPRUCE ST, FREDERICKTOWN, MO 63645-7418 |
| Document Number | 00474/0749 |
| Book / Page | 474 / 0749 |
| Map Reference | PL 2 PG 17 |
| Instrument Date | Jun 9, 2016 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 SPRUCE ST, FREDERICKTOWN, MO 63645-7418 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON MO |
| Recording Date | Aug 25, 2006 |
| Property Address | 302 SPRUCE ST, FREDERICKTOWN, MO 63645-7418 |
| Document Number | 00372/0071 |
| Book / Page | 372 / 0071 |
| Map Reference | MB2 PG17 |
| Instrument Date | Aug 24, 2006 |
| Instrument | 2054 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 302 SPRUCE ST, FREDERICKTOWN, MO 63645-7418 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MO |
| Recording Date | Jul 19, 2005 |
| Property Address | 302 SPRUCE ST, FREDERICKTOWN, MO 63645-7418 |
| Document Number | 00353/0863 |
| Book / Page | 353 / 0863 |
| Map Reference | MB2 PG17 |
| Instrument Date | Jul 19, 2005 |
| Instrument | 1894 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 SPRUCE ST, FREDERICKTOWN, MO 63645-7418 |
| Document Number | 0000001895 |
|---|---|
| Date | Jul 19, 2005 |
| Instrument | 1895 |
| Name | FIRST FRANKLIN FINANCIAL CORP |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2035 |
| Prepayment Penalty | 24 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.87% |
| Type Change Date | Aug 1, 2007 |
| Change Frequency | 6 Months |
| Min Rate At Change | 8.87% |
| Max Rate At Change | 11.8% |
| Index | 6-Month LIBOR |
| Margin | 7 |
| Max Rate | 14.8% |
Source: Madison County assessment roll, as of January 13, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Madison County |
| Municipality | Fredericktown City |
| Unified School District | Fredericktown R-I School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $866.00 | $13,790 (-) | $72,590 (-) Land $7,820 Building $64,770 |
| 2023 | $13,790 | $72,590 Land $7,820 Building $64,770 |
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.
Source: FEMA National Flood Hazard Layer, effective August 2, 2012 · 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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (2022) |
| Most Recent Claim | Aug 2022 · river or lake flooding |
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FREDERICKTOWN PWS serves 4,429 people · EPA ID MO4010290 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Failure to filter resolved · Aug 2017 Total trihalomethanes resolved · Jan 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 143 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 |
| Starlink Satellite | 280 / 30 |
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