440 N Main St, Saint Clair, MO 63077 Property Records

Franklin County property record for 440 N Main St, Saint Clair, MO 63077 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 780 sqft · built 1936
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$1,040 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-7-25.0-3-003-023.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-25.0-3-003-023.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	780 sqft Living Area

Exterior

Year Built	Built 1936
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	440 N MAIN ST
City	SAINT CLAIR
State	MO
Zip	63077-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:5&PT4 ANGERER ADDITION
Legal Range	01W
Legal Township	42
Legal Section	25
Legal Quarter	SW
Legal Subdivision	ANGERER
Legal Block	2
Legal Lot Number	5
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2012
Census Tract	800904

Owner

Source: Franklin County records · APN 22-7-25.0-3-003-023.000

Assessment roll updated May 31, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	440 N MAIN ST, SAINT CLAIR, MO 63077-1218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2020	Deed of Trust, Mortgage STEARNS LNDG LLC
Jun 12, 2018	Warranty Deed, Transfer STEARNS LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 16, 2024
Deed Sale	Oct 16, 2024
Prior Sale	Aug 20, 2014
Deed Document Number	2412013
Record Updated	Jun 08, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	440 N MAIN ST, SAINT CLAIR, MO 63077-1218
Document Number	0000002208
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 N MAIN ST ST CLAIR MO 630771218, ST CLAIR, MO 63077-1218

Mortgage

Document Number	0000002208
Date	Feb 14, 2020
Instrument	2208

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jun 12, 2018
Property Address	440 N MAIN ST, SAINT CLAIR, MO 63077-1218
Document Number	0000008036
Instrument Date	Jun 11, 2018
Instrument	8036
Transaction Type	Transfer
Record Updated	Jul 26, 2018
Title Company	FIRST AMERICAN TITLE

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	440 N MAIN ST ST CLAIR MO 630771218, ST CLAIR, MO 63077-1218

Mortgage

Document Number	8037
Date	Jun 12, 2018
Instrument	8037

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated May 31, 2025 · Last verified November 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,040.00 (+9.82%)	$15,443 (+1.59%)	$81,280 (+1.59%) Land $12,480 Building $68,800
2023	$947.00 (+15.21%)	$15,202	$80,010 Land $12,480 Building $67,530
2022	$822.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (29071C), updated June 4, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 318 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30
Verizon	Fixed Wireless	300 / 20
Wave Internet Technologies	Fixed Wireless (unlicensed)	100 / 100
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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