Franklin County property record for 645 N Main St, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 980 sqft · built 1950 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $837 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jul 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-25.0-3-002-069.000 |
| Primary APN | 22-7-25.0-3-002-069.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Street Address | 645 N MAIN ST |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-1221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:5 A B CARDWELLS |
| Legal Range | 01W |
| Legal Township | 42 |
| Legal Section | 25 |
| Legal Quarter | SW |
| Legal Subdivision | A B CARDWELLS |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 800904 |
Source: Franklin County assessment roll, as of May 31, 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 File |
|---|---|
| Mailing Address | 645 N MAIN ST, SAINT CLAIR, MO 63077-1221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2020 | Warranty Deed, Transfer QUICKEN LNS |
| Jul 16, 2020 | Deed of Trust, Mortgage · Line of Credit UNITED BK/UNION |
| Aug 13, 2019 | Trustee's Deed, Construction Loan · Line of Credit UNITED BK/UNION |
| Sep 8, 2017 | Deed of Trust, Mortgage · Line of Credit UNITED BK/UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 3, 2020 |
| Deed Sale | Nov 3, 2020 |
| Prior Sale | Dec 1, 2010 |
| Deed Document Number | 2018885 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Nov 3, 2020 |
| Property Address | 645 N MAIN ST, SAINT CLAIR, MO 63077-1221 |
| Document Number | 0000018885 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 18885 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 N MAIN ST ST CLAIR MO 630771221, ST CLAIR, MO 63077-1221 |
| Document Number | 18886 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 18886 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 2, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 645 N MAIN ST, SAINT CLAIR, MO 63077-1221 |
| Document Number | 0000011830 |
| Instrument Date | Jul 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3977 HIGHWAY EE BEAUFORT MO 630131528, BEAUFORT, MO 63013-1528 |
| Document Number | 0000011830 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 11830 |
| Name | UNITED BK/UNION |
|---|---|
| Type | Bank |
| Address | UNION, MO 63084 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Aug 13, 2019 |
| Property Address | 645 N MAIN ST, SAINT CLAIR, MO 63077-1221 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 10363 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 4, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3977 HIGHWAY EE BEAUFORT MO 630131528, BEAUFORT, MO 63013-1528 |
| Document Number | 0000010363 |
|---|---|
| Date | Aug 13, 2019 |
| Instrument | 10363 |
| Name | UNITED BK/UNION |
|---|---|
| Type | Bank |
| Address | UNION, MO 63084 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 12, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 645 N MAIN ST, SAINT CLAIR, MO 63077-1221 |
| Document Number | 0000014284 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3977 HIGHWAY EE BEAUFORT MO 630131528, BEAUFORT, MO 63013-1528 |
| Document Number | 0000014284 |
|---|---|
| Date | Sep 19, 2017 |
| Instrument | 14284 |
| Name | UNITED BK/UNION |
|---|---|
| Type | Bank |
| Address | UNION, MO 63084 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 18, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | St. Clair City |
| Unified School District | St. Clair R-XIII School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $837.00 (+4.1%) | $13,783 (+6.73%) | $72,540 (+6.72%) Land $10,400 Building $62,140 |
| 2023 | $804.00 (+13.72%) | $12,914 | $67,970 Land $10,400 Building $57,570 |
| 2022 | $707.00 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 318 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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