589 Elk Run, Saint Clair, MO 63077 Property Records

Franklin County property record for 589 Elk Run, Saint Clair, MO 63077 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,408 sqft · built 2003
Lot Size	4.19 acres (182,952 sqft)
Owner	Owner Name on File
Tax Bill	$4,029 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-3-08.1-0-002-006.000`

Property Details

APN / Parcel Number

Primary APN	`30-3-08.1-0-002-006.000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,408 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	182,952 sqft (4.19 acres)
Patio Area	1,006 sqft

Location & Zoning

Street Address	589 ELK RUN
City	SAINT CLAIR
State	MO
Zip	63077-3596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1 ELK RUN
Legal Range	01E
Legal Township	41
Legal Section	08
Legal Subdivision	ELK RUN
Legal Block	2
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1001
Census Tract	800901

Owner

Source: Franklin County records · APN 30-3-08.1-0-002-006.000

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	Owner Name on File
Mailing Address	589 ELK RUN, SAINT CLAIR, MO 63077-3596
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 08, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 13, 2020	Deed of Trust, Mortgage AMERISAVE MTG
May 20, 2019	Deed of Trust, Mortgage · FHA Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Last Sale	Jun 06, 2014
Deed Sale	Jun 06, 2014
Deed Document Number	1406997
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	589 ELK RUN, SAINT CLAIR, MO 63077-3596
Transaction Type	Mortgage
Record Updated	Apr 05, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002302728
Date	Mar 08, 2023
Instrument	2302728

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Mar 02, 2035

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	589 ELK RUN, SAINT CLAIR, MO 63077-3596
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002121523
Date	Nov 16, 2021
Instrument	2121523

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	589 ELK RUN, SAINT CLAIR, MO 63077-3596
Document Number	0000005466
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 08, 2020
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	589 ELK RUN ST CLAIR MO 630773596, ST CLAIR, MO 63077-3596

Mortgage

Document Number	0000005466
Date	Apr 20, 2020
Instrument	5466

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	589 ELK RUN, SAINT CLAIR, MO 63077-3596
Document Number	0000006253
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	589 ELK RUN ST CLAIR MO 630773596, ST CLAIR, MO 63077-3596

Mortgage

Document Number	0000006253
Date	May 24, 2019
Instrument	6253

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

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
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	$4,029.00 (+34.21%)	$66,580 (+22.97%)	$350,420 (+22.97%) Land $28,150 Building $322,270
2023	$3,002.00 (-7.52%)	$54,145	$284,970 Land $23,920 Building $261,050
2022	$3,246.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (29071C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290718009011, refreshed September 2026 · 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
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
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 Storm	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

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 46% of Missouri
Wildfire Likelihood	About 1 in 1,695 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 37 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
Wave Internet Technologies	Fixed Wireless (unlicensed)	100 / 100

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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