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

Franklin County property record for 805 N Main St, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 728 sqft · built 1928
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$981 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-7-25.0-3-002-077.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-25.0-3-002-077.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	728 sqft Living Area

Exterior

Year Built	Built 1928
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Area	160 sqft

Location & Zoning

Street Address	805 N MAIN ST
City	SAINT CLAIR
State	MO
Zip	63077-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:13 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	13
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2025
Census Tract	800904

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	805 N MAIN ST, SAINT CLAIR, MO 63077-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Line of Credit UNITED BANK OF UNION
May 12, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK OF UNION
Oct 31, 2017	Quit Claim Deed, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2024
Deed Sale	Jul 1, 2024
Prior Sale	May 12, 2022
Deed Document Number	2407512
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	805 N MAIN ST, SAINT CLAIR, MO 63077-1225
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002404757
Date	Apr 30, 2024
Instrument	2404757

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 12, 2022
Property Address	805 N MAIN ST, SAINT CLAIR, MO 63077-1225
Document Number	0002207795
Map Reference	PB C PG 46
Instrument Date	May 6, 2022
Instrument	2207795
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 N MAIN ST, SAINT CLAIR, MO 63077-1225

Mortgage

Document Number	0002207796
Date	May 12, 2022
Instrument	2207796

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

October 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 31, 2017
Property Address	805 N MAIN ST, SAINT CLAIR, MO 63077-1225
Document Number	0000016638
Instrument Date	Oct 31, 2017
Instrument	16638
Transaction Type	Mortgage
Record Updated	Nov 7, 2017
Title Company	HANSEN FRANKLIN COMPANY LAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 63 ST CLAIR MO 630770063, ST CLAIR, MO 63077-0063

Mortgage

Document Number	16639
Date	Oct 31, 2017
Instrument	16639

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 30, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 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	$981.00 (+15.14%)	$14,571 (+6.5%)	$76,690 (+6.5%) Land $10,400 Building $66,290
2023	$852.00 (+9.23%)	$13,682	$72,010 Land $10,400 Building $61,610
2022	$780.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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