320 2nd St, Osceola, MO 64776 Property Records

St. Clair County property record for 320 2nd St, Osceola, MO 64776

Property Summary

Property Type	Single Family Home
Details	2,245 sqft · built 1900
Lot Size	0.22 acres (9,607 sqft)
Owner	2 Individual Names on File
Last Sale	$140,980 (Jan 2026)
Deeds & Mortgages	Apr 2024 Construction Loan Aug 2017 Line of Credit
APN	`09-4.0-20-002-020-003.00`

Property Details

APN / Parcel Number

Primary APN	`09-4.0-20-002-020-003.00`
Alternative APN	`6771`

Interior

Stories	1 Story
Building Area	2,245 sqft Living Area
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,607 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 2ND ST
City	OSCEOLA
State	MO
Zip	64776-9309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LT 8 & ALL LT 9 BLK 16 OSCEOLA ORIGINAL TOWN
Legal Range	25
Legal Township	38
Legal Section	20
Legal Subdivision	ORIGINAL TOWN OSCEOLA
Legal Block	16
Legal Lot Number	8-9
Jurisdiction	SAINT CLAIR MO
Township / Civil Division	OSCEOLA
Census Block Group	1
Census Block	1035
Census Tract	480300

Owner

320 2nd St is owned by two individuals who bought it in January 2026.

Source: St. Clair County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 119, OSCEOLA, MO 64776-0119
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 29, 2024	Deed of Trust, Mortgage · Construction Mortgage ST CLAIR COUNTY STATE BANK
Aug 4, 2017	Deed of Trust, Mortgage · Line of Credit HAWTHORN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2026 · Amount on File
Deed Sale	Jan 6, 2026 · Amount on File
Deed Document Number	20267
Deed Book / Page	660 / 624
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MO
Property Address	320 2ND ST, OSCEOLA, MO 64776
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 2ND ST, OSCEOLA, MO 64776

Mortgage

Document Number	000657/163
Date	Apr 29, 2024
Book Page	657/163

Lender

Name	ST CLAIR COUNTY STATE BANK
Type	Bank
Address	OSCEOLA, MO 64776

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	62 Months
Due	Jun 29, 2029

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MO
Property Address	320 2ND ST, OSCEOLA, MO 64776
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000607/029
Date	Aug 4, 2017
Book Page	607/029

Lender

Name	HAWTHORN BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jul 28, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of February 24, 2026

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	Assessed Value	Assessed Market Value
2025	$8,500	$44,600 Land $3,000 Building $41,600
2023	$8,500	$44,800 Land $3,000 Building $41,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 320 2nd 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 320 2nd St 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Brightspeed DSL	100 / 10

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 2nd St

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