765 N Main St, Saint Clair, MO 63077 Property Records

Franklin County property record for 765 N Main St, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,492 sqft · built 1945
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Last Sale	$129,900 (Mar 2021)
Tax Bill	$1,761 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`22-7-25.0-3-002-076.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-25.0-3-002-076.000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,492 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	765 N MAIN ST
City	SAINT CLAIR
State	MO
Zip	63077-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:12&C A B CARDWELLS
Legal Range	1W
Legal Township	42N
Legal Section	25
Legal Subdivision	A B CARDWELLS
Legal Lot Number	12,C
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2025
Census Tract	800904

Owner

Source: Franklin County records, as of May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 4900, SCOTTSDALE, AZ 85261-4900
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Commercial Mortgage US BANK TRUST NA
Mar 15, 2021	Special Warranty Deed, Transfer NOT AVAILABLE, SPRUCE TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2021 · Amount on Record
Deed Sale	Mar 15, 2021 · Amount on Record
Prior Sale	Jul 17, 2007 · Amount on Record
Deed Document Number	20214714
Prior Transfer Date	Apr 16, 2007
Prior Transfer Doc	0000008788
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	765 N MAIN ST, SAINT CLAIR, MO 63077-1223
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002217192
Date	Nov 14, 2022
Instrument	2217192

Lender

Name	US BANK TRUST NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 7, 2027

Interest

Rate Type	Fixed Rate

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 15, 2021
Property Address	765 N MAIN ST, SAINT CLAIR, MO 63077-1223
Document Number	0002104714
Map Reference	PB C PG 46
Instrument Date	Mar 12, 2021
Instrument	2104714
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	NOT AVAILABLE, SPRUCE TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	800 N COMMERCIAL AVE, 800, SAINT CLAIR, MO 63077-1168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 MONTGOMERY ST STE 1200, 1200, SAN FRANCISCO, CA 94104-1914
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 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	$1,761.00 (+21.28%)	$26,146 (+12.19%)	$137,610 (+12.19%) Land $16,640 Building $120,970
2023	$1,452.00 (+1.89%)	$23,306	$122,660 Land $16,640 Building $106,020
2022	$1,425.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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	0.02% annual chance
Exposure	None beyond ember reach

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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