Phelps County property record for 308 Opal St, Saint James, MO 65559
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 964 sqft · built 1950 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $173,000 (May 2026) |
| Tax Bill | $679 (2025) |
| Deeds & Mortgages | May 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 01199.00 |
| Primary APN | 01199.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 964 sqft Living Area |
| 1st Floor Area | 964 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 142 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 01199.00 |
|---|---|
| Street Address | 308 OPAL ST |
| City | SAINT JAMES |
| State | MO |
| Zip | 65559-1152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 3 & 4 BLOCK 3 POWELL'S ADDITION SEC 19 TWP 38 N RNG 6 W |
| Legal Range | 06W |
| Legal Township | 38N |
| Legal Section | 19 |
| Legal Subdivision | POWELLS ADD |
| Legal Block | 3 |
| Legal Lot Number | 3-4 |
| Jurisdiction | PHELPS MO |
| Township / Civil Division | ST. JAMES |
| Census Block Group | 6 |
| Census Block | 6020 |
| Census Tract | 890200 |
Source: Phelps County records, as of August 18, 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 | 308 OPAL ST, SAINT JAMES, MO 65559-1152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on Record |
| Deed Sale | May 22, 2026 · Amount on Record |
| Prior Sale | Dec 31, 2013 |
| Deed Document Number | 2026 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PHELPS MO |
| Recording Date | May 22, 2026 |
| Property Address | 308 OPAL ST, SAINT JAMES, MO 65559-1152 |
| Instrument Date | May 22, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 308 OPAL ST, SAINT JAMES, MO 65559-1152 |
| Date | May 22, 2026 |
|---|
| Name | PHELPS COUNTY BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 0.64% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Phelps County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Phelps County |
| Municipality | St. James City |
| Unified School District | St. James R-I School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,900 (-) Land $3,610 Building $10,290 | ||
| 2025 | $679.00 (+0.15%) | $13,900 (+14.97%) Land $3,610 Building $10,290 | $73,180 (+15.04%) Land $19,000 Building $54,180 |
| 2024 | $678.00 (+14.53%) | ||
| 2023 | $592.00 (-0.34%) | $12,090 Land $2,660 Building $9,430 | $63,610 Land $14,000 Building $49,610 |
| 2022 | $594.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective April 19, 2011 · 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 | 2 in force |
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 | ST JAMES PWS serves 3,935 people · EPA ID MO3010712 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 297 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 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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