415 Lilac Ln, Saint Clair, MO 63077 Property Records

Franklin County property record for 415 Lilac Ln, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,486 sqft · built 1989
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,600 (Aug 2024)
Tax Bill	$1,883 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Apr 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-1-02.0-2-001-183.000`

Property Details

APN / Parcel Number

Primary APN	`29-1-02.0-2-001-183.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,486 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Patio Area	80 sqft
Shed	1 Shed

Location & Zoning

Street Address	415 LILAC LN
City	SAINT CLAIR
State	MO
Zip	63077-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	LOT:1 BLOCK P LAKE ST CLAIR APT-X
Legal Range	1W
Legal Township	41N
Legal Section	02
Legal Subdivision	LAKE ST CLAIR
Legal Block	P
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2056
Census Tract	800901

Owner

Source: Franklin County records, as of July 21, 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	415 LILAC LN, SAINT CLAIR, MO 63077-2029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Deed Document Number	20242409476
Record Updated	Sep 20, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	415 LILAC LN, SAINT CLAIR, MO 63077-2029
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	TITLE PARTNERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002409477
Date	Aug 16, 2024
Instrument	2409477

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2054

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	415 LILAC LN, SAINT CLAIR, MO 63077-2029
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002403446
Date	Apr 1, 2024
Instrument	2403446

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 25, 2034

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	$1,883.00 (+14.61%)	$29,771 (+5.84%)	$156,690 (+5.84%) Land $20,220 Building $136,470
2023	$1,643.00 (+5.59%)	$28,128	$148,040 Land $20,220 Building $127,820
2022	$1,556.00

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

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–1985)
Most Recent Claim	Jun 1985 · 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.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% 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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: Bays-ET Highspeed, Spectrum.

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