Franklin County property record for 809 Cabernet Ln, Saint Albans, MO 63073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,631 sqft · built 1996 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,180 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-1-11.0-0-002-002.270 |
| Primary APN | 08-1-11.0-0-002-002.270 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,631 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 13,068 sqft (0.3 acres) |
| Patio Area | 216 sqft |
| Street Address | 809 CABERNET LN |
|---|---|
| City | SAINT ALBANS |
| State | MO |
| Zip | 63073-1201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SD |
| Legal Description | LOT:2 VINEYARDS 1 |
| Legal Range | 02E |
| Legal Township | 44 |
| Legal Section | 11 |
| Legal Subdivision | VINEYARDS |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | BOLES |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 800102 |
809 Cabernet Ln is owned and occupied by two individuals who acquired it in December 1997.
Source: Franklin County records, as of November 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 809 CABERNET LN, SAINT ALBANS, MO 63073-1201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 1997 |
| Deed Sale | Dec 18, 1997 |
| Deed Document Number | 1048-00007 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 809 CABERNET LN, SAINT ALBANS, MO 63073-1201 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002116574 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 2116574 |
| Name | WELLS FARGO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.38% |
| Index | Other |
The 2025 property tax bill for 809 Cabernet Ln was $6,180.
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | Washington School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,180.00 | $100,438 | $528,620 Land $90,000 Building $438,620 |
| 2023 | $5,822.00 (-6.65%) | $88,411 | $465,320 Land $90,000 Building $375,320 |
| 2022 | $6,237.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 809 Cabernet Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
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 risk around 809 Cabernet Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 78% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 74 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
5G (outdoors only) and 4G LTE
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