Franklin County property record for 523 Rambler Dr, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 918 sqft · built 1995 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,195 (2025) |
| Deeds & Mortgages | May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-1-11.0-2-003-157.000 |
| Primary APN | 29-1-11.0-2-003-157.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 918 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 4,356 sqft (0.1 acres) |
| Shed | 1 Shed |
| Street Address | 523 RAMBLER DR |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-2120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD |
| Legal Description | LOT:38 BLOCK 30 LAKE ST CLAIR 30 |
| Legal Range | 01W |
| Legal Township | 41 |
| Legal Section | 11 |
| Legal Quarter | NW |
| Legal Subdivision | LAKE ST CLAIR |
| Legal Block | 30 |
| Legal Lot Number | 38 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 800901 |
Source: Franklin County records, as of November 10, 2025
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 | 523 RAMBLER DR, SAINT CLAIR, MO 63077-2120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2015 |
| Deed Sale | Jul 6, 2015 |
| Prior Sale | May 15, 2015 |
| Deed Document Number | 1509844 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 523 RAMBLER DR, SAINT CLAIR, MO 63077-2120 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002305800 |
|---|---|
| Date | May 22, 2023 |
| Instrument | 2305800 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2053 |
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | St. Clair R-XIII School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,195.00 (+24.35%) | $18,888 (+14.78%) | $99,410 (+14.78%) Land $12,500 Building $86,910 |
| 2023 | $961.00 (+5.14%) | $16,456 | $86,610 Land $12,500 Building $74,110 |
| 2022 | $914.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.05% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 78 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 |
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