588 Elk Run, Saint Clair, MO 63077 Property Records

Franklin County property record for 588 Elk Run, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	2,210 sqft · built 2016
Lot Size	4.1 acres (178,596 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,749 (Jan 2025)
Tax Bill	$366 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-3-08.1-0-002-006.300`

Property Details

APN / Parcel Number

Primary APN	`30-3-08.1-0-002-006.300`

Interior

Building Area	2,210 sqft Living Area
1st Floor Area	2,210 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	178,596 sqft (4.1 acres)
Lean-To	398 sqft
Utility Building	2,210 sqft

Location & Zoning

Street Address	588 ELK RUN
City	SAINT CLAIR
State	MO
Zip	63077-4811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	LOT:2 ELK RUN
Legal Range	1E
Legal Township	41N
Legal Section	08
Legal Subdivision	ELK RUN
Legal Lot Number	2
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1001
Census Tract	800901

Owner

Source: Franklin County records, as of March 30, 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	588 ELK RUN, SAINT CLAIR, MO 63077-4811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS & MECHANICS BANK
Jan 22, 2025	Warranty Deed, Transfer · Conventional Mortgage FARMERS & MECHANICS BANK
Oct 31, 2018	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI
Jun 2, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2025 · Amount on Record
Deed Sale	Jan 22, 2025 · Amount on Record
Prior Sale	Jun 30, 2016 · Amount on Record
Deed Document Number	20252500712
Prior Transfer Date	Mar 7, 2007
Prior Transfer Doc	0000005639
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	588 ELK RUN, SAINT CLAIR, MO 63077-4811
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002603185
Date	Mar 13, 2026
Instrument	2603185

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 9, 2027

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 22, 2025
Property Address	588 ELK RUN, SAINT CLAIR, MO 63077-4811
Document Number	0002500712
Map Reference	PB P PG 358
Instrument Date	Jan 21, 2025
Instrument	2500712
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	588 ELK RUN, SAINT CLAIR, MO 63077-4811

Mortgage

Document Number	0002500713
Date	Jan 22, 2025
Instrument	2500713

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 21, 2020
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	11.6%
Index	1-Year CMT

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	588 ELK RUN, SAINT CLAIR, MO 63077-4811
Document Number	0000015746
Instrument Date	Oct 31, 2018
Transaction Type	Mortgage
Record Updated	Dec 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1648 COURTNEY LN ST CLAIR MO 630773501, ST CLAIR, MO 63077-3501

Mortgage

Document Number	0000015746
Date	Nov 14, 2018
Instrument	15746

Lender

Name	FARMERS & MERCHANTS BK/ST CLAI
Type	Bank
Address	SAINT CLAIR, MO 63077

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Nov 13, 2036

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	588 ELK RUN, SAINT CLAIR, MO 63077-4811
Document Number	0000008637
Instrument Date	Jun 2, 2017
Transaction Type	Mortgage
Record Updated	Jul 7, 2017
Title Company	HANSEN FRANKLIN COMPANY LAND TITLE, HANSEN FRANKLIN CO LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1648 COURTNEY LN ST CLAIR MO 630773501, ST CLAIR, MO 63077-3501

Mortgage

Document Number	0000008637
Date	Jun 9, 2017
Instrument	8637

Lender

Name	FARMERS & MERCHANTS BK/ST CLAI
Type	Bank
Address	SAINT CLAIR, MO 63077

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$366.00 (+5.48%)	$6,049 (-3.57%)	$39,410 (+0.87%) Land $20,550 Building $18,860
2023	$347.00 (-9.4%)	$6,273	$39,070 Land $16,440 Building $22,630
2022	$383.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	78 (1979–2024)
Claims Outside the SFHA	7 of 78
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 14 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 11 claims Severe Storms And Flooding, Mar 2008 · 12 claims

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	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elk Run

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