965 S Main St, Saint Clair, MO 63077 Property Records

Franklin County property record for 965 S Main St, Saint Clair, MO 63077 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,232 sqft · built 1900
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$182,695 (Apr 2024)
Tax Bill	$1,094 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-7-36.0-2-099-175.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-36.0-2-099-175.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)
Garage Area	528 sqft

Location & Zoning

Street Address	965 S MAIN ST
City	SAINT CLAIR
State	MO
Zip	63077-1521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE NW BD E BY SOUTH MAIN ST&W BY WALTON AVE
Legal Range	1W
Legal Township	42N
Legal Section	36
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1017
Census Tract	800904

Owner

Source: Franklin County records · APN 22-7-36.0-2-099-175.000

Assessment roll updated November 11, 2025 · Last verified August 2026

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	965 S MAIN ST, SAINT CLAIR, MO 63077-1521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage MISSOURI HOUSING DEVELOPMENT
Apr 30, 2024	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH MORTGAGE INC
Apr 16, 2021	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jun 07, 2019	Warranty Deed, Transfer US TITLE
Sep 15, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Prior Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	20242404764
Last Transfer Date	Jul 18, 2024
Transfer Doc	0002408165
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	965 S MAIN ST, SAINT CLAIR, MO 63077-1521
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002404766
Date	Apr 30, 2024
Instrument	2404766

Lender

Name	MISSOURI HOUSING DEVELOPMENT
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 30, 2024
Property Address	965 S MAIN ST, SAINT CLAIR, MO 63077-1521
Document Number	0002404764
Instrument Date	Apr 25, 2024
Instrument	2404764
Transaction Type	Transfer
Record Updated	May 22, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 S MAIN ST, SAINT CLAIR, MO 63077-1521

Mortgage

Document Number	0002404765
Date	Apr 30, 2024
Instrument	2404765

Lender

Name	FLAT BRANCH MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2054

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 16, 2021
Property Address	965 S MAIN ST, SAINT CLAIR, MO 63077-1521
Document Number	0002107162
Instrument Date	Apr 14, 2021
Instrument	2107162
Transaction Type	Transfer
Record Updated	May 22, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 S MAIN ST, SAINT CLAIR, MO 63077-1521

Mortgage

Document Number	0002107163
Date	Apr 16, 2021
Instrument	2107163

Lender

Name	GUILD MORTGAGE CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jun 07, 2019
Property Address	965 S MAIN ST, SAINT CLAIR, MO 63077-1521
Document Number	0000007013
Instrument Date	Jun 07, 2019
Instrument	7013
Transaction Type	Transfer
Record Updated	Jul 02, 2019
Title Company	US TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	119 INDIAN PRAIRIE LN UNION MO 630844201, UNION, MO 63084-4201

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 15, 2017
Property Address	965 S MAIN ST, SAINT CLAIR, MO 63077-1521
Document Number	0000014143
Instrument Date	Sep 11, 2017
Instrument	14143
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	423 VOLKMANN LN SULLIVAN MO 630803752, SULLIVAN, MO 63080-3752

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated November 11, 2025 · Last verified August 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,094.00 (+6.21%)	$16,245 (-1.77%)	$85,500 (-1.77%) Land $21,580 Building $63,920
2023	$1,030.00 (+9.34%)	$16,537	$87,040 Land $21,580 Building $65,460
2022	$942.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (29071C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290718009041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 15% of Missouri
Wildfire Likelihood	About 1 in 6,250 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 251 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30
Verizon	Fixed Wireless	300 / 20
Wave Internet Technologies	Fixed Wireless (unlicensed)	100 / 100

May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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