512 Cedar St, Osceola, MO 64776 Property Records

St. Clair County property record for 512 Cedar St, Osceola, MO 64776

Property Summary

Property Type	Single Family Home
Details	1,724 sqft · built 1960
Lot Size	0.871 acres (37,944 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,298 (2025)
Deeds & Mortgages	Feb 2016 Mortgage Apr 2019 Mortgage + 3 more
APN	`09-4.0-20-003-002-005.00`

Property Details

APN / Parcel Number

Primary APN	`09-4.0-20-003-002-005.00`
Alternative APN	`6856`

Interior

Stories	1 Story
Building Area	1,724 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	37,944 sqft (0.871 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	512 CEDAR ST
City	OSCEOLA
State	MO
Zip	64776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOTS 12-13-14, ALL LOT 15 & E 25' LOT 16 BLK 8 JOHNS ADDN TO OSCEOLA
Legal Range	25
Legal Township	38
Legal Section	20
Legal Subdivision	JOHNS ADDN
Legal Block	8
Legal Lot Number	12-16
Jurisdiction	SAINT CLAIR MO
Township / Civil Division	OSCEOLA
Census Block Group	1
Census Block	1143
Census Tract	480300

Owner

512 Cedar St is owned by two individuals who acquired it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	516 CEDAR ST, OSCEOLA, MO 64776-9341
Owner Type	Individual

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
Feb 22, 2016	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BOLIVAR
Apr 26, 2019	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Apr 1, 2024	Warranty Deed, Transfer
Aug 28, 2018	Warranty Deed, Transfer
Oct 4, 2007	Warranty Deed, Transfer · Conventional Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024
Deed Sale	Apr 1, 2024
Prior Sale	Aug 28, 2018
Deed Document Number	2024452
Deed Book / Page	657 / 1
Record Updated	Sep 20, 2026

February 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MO
Property Address	512 CEDAR ST, OSCEOLA, MO 64776
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00597/1198
Date	Feb 22, 2016
Book Page	597/1198

Lender

Name	BANK OF BOLIVAR
Type	Bank
Address	BOLIVAR, MO 65613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MO
Property Address	512 CEDAR ST, OSCEOLA, MO 64776
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000618/199
Date	Apr 26, 2019
Book Page	618/199

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Apr 1, 2024
Property Address	512 CEDAR ST, OSCEOLA, MO 64776
Document Number	00000657/1
Book / Page	657 / 1
Instrument Date	Mar 29, 2024
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 CEDAR ST, OSCEOLA, MO 64776-9341

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Aug 28, 2018
Property Address	512 CEDAR ST, OSCEOLA, MO 64776
Document Number	00613/1145
Book / Page	613 / 1145
Instrument Date	Aug 24, 2018
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 CEDAR ST, OSCEOLA, MO 64776-9341

October 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MO
Recording Date	Oct 4, 2007
Property Address	512 CEDAR ST, OSCEOLA, MO 64776
Document Number	000545/403
Book / Page	545 / 403
Instrument Date	Oct 3, 2007
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 CEDAR ST, OSCEOLA, MO 64776-9341

Mortgage

Document Number	000545/411
Date	Oct 4, 2007
Book Page	545/411

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 512 Cedar St was $1,298.

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,298.00	$18,900	$99,300 Land $10,900 Building $88,400
2023		$18,900	$99,300 Land $10,900 Building $88,400

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

Flood

FEMA has no flood map on file for 512 Cedar 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 512 Cedar St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 85 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
Brightspeed DSL	40 / 3

May also be available: Conexon Connect, Rocket Connect, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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