881 Old Cove Rd, Saint Clair, MO 63077 Property Records

Franklin County property record for 881 Old Cove Rd, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,074 sqft · built 2002
Lot Size	6.09 acres (265,716 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,949 (2025)
Deeds & Mortgages	May 2023 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-6-23.0-0-000-024.000`

Property Details

APN / Parcel Number

Primary APN	`21-6-23.0-0-000-024.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,074 sqft Living Area

Exterior

Year Built	Built 2002
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	265,716 sqft (6.09 acres)
Shed	1 Shed

Location & Zoning

Street Address	881 OLD COVE RD
City	SAINT CLAIR
State	MO
Zip	63077-3829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	PT SW SW W OF OLD COVE RD
Legal Range	01E
Legal Township	42
Legal Section	23
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2025
Census Tract	800802

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	2 Individual Names on Record
Mailing Address	881 OLD COVE RD, SAINT CLAIR, MO 63077-3829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS & MECHANICS BANK
Oct 9, 2020	Deed of Trust, Mortgage FARMERS & MERCHANTS BK/SC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2007
Deed Sale	May 7, 2007
Deed Document Number	0710352
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	881 OLD COVE RD, SAINT CLAIR, MO 63077-3829
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002305762
Date	May 19, 2023
Instrument	2305762

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 15, 2028

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	881 OLD COVE RD, SAINT CLAIR, MO 63077-3829
Document Number	0000018072
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	881 OLD COVE RD ST CLAIR MO 630773829, ST CLAIR, MO 63077-3829

Mortgage

Document Number	0000018072
Date	Oct 23, 2020
Instrument	18072

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2050

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,949.00 (+4.62%)	$41,121 (+22.38%)	$217,300 (+22.24%) Land $15,170 Building $202,130
2023	$1,863.00 (-8.45%)	$33,600	$177,770 Land $12,170 Building $165,600
2022	$2,035.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
Verizon Fixed Wireless	25 / 6
Bays-ET Highspeed Fixed Wireless	25 / 5

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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