520 Columbia Ave, Saint Clair, MO 63077 Property Records

Franklin County property record for 520 Columbia Ave, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 975 sqft · built 1971
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$1,298 (2025)
Deeds & Mortgages	May 2023 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-7-25.0-4-004-074.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-25.0-4-004-074.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	975 sqft Living Area

Exterior

Year Built	Built 1971
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Patio Area	468 sqft

Location & Zoning

Street Address	520 COLUMBIA AVE
City	SAINT CLAIR
State	MO
Zip	63077-1240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:23 CLAIRTOWN
Legal Range	01W
Legal Township	42
Legal Section	25
Legal Quarter	SE
Legal Subdivision	CLAIRTOWN
Legal Block	4
Legal Lot Number	23
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2028
Census Tract	800904

Owner

520 Columbia Ave is owned by an individual who acquired it in May 2023.

Source: Franklin County records, as of November 10, 2025

Owner of Record	Individual Name on File
Mailing Address	207 PENTONVILLE DR, SAINT LOUIS, MO 63125-3359
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
May 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage MISSOURI HOUSING DEVELOPMENT
May 25, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Feb 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage LEGENDS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2023
Deed Sale	May 25, 2023
Prior Sale	Feb 24, 2011 · Amount on File
Deed Document Number	2305966
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	520 COLUMBIA AVE, SAINT CLAIR, MO 63077-1240
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002305968
Date	May 25, 2023
Instrument	2305968

Lender

Name	MISSOURI HOUSING DEVELOPMENT
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 25, 2023
Property Address	520 COLUMBIA AVE, SAINT CLAIR, MO 63077-1240
Document Number	0002305966
Map Reference	PB H PG 18
Instrument Date	May 23, 2023
Instrument	2305966
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	INVESTORS TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	862 S OUTER RD, SAINT CLAIR, MO 63077-1040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 PENTONVILLE DR, SAINT LOUIS, MO 63125-3359

Mortgage

Document Number	0002305967
Date	May 25, 2023
Instrument	2305967

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	520 COLUMBIA AVE, SAINT CLAIR, MO 63077-1240
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002301829
Date	Feb 15, 2023
Instrument	2301829

Lender

Name	LEGENDS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	72 Months
Due	Aug 15, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 520 Columbia Ave was $1,298.

Source: Franklin County assessment roll, as of May 31, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,298.00	$19,268	$101,410 Land $12,280 Building $89,130
2023	$1,052.00 (+6.16%)	$16,893	$88,910 Land $12,280 Building $76,630
2022	$991.00

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

Flood

FEMA maps place 520 Columbia Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 520 Columbia Ave 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 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.02% 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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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