982 Cedars Valley Rd, Saint Albans, MO 63073 Property Records

Franklin County property record for 982 Cedars Valley Rd, Saint Albans, MO 63073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,852 sqft · built 2022
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on File
Tax Bill	$10,112 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`08-1-01.0-0-016-128.000`

Property Details

APN / Parcel Number

Primary APN	`08-1-01.0-0-016-128.000`

Interior

Bedrooms	3 Beds
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,852 sqft Living Area

Exterior

Year Built	Built 2022
Exterior Material	Brick
Construction Type	Brick
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	982 CEDARS VALLEY RD
City	SAINT ALBANS
State	MO
Zip	63073-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	LOT:3 TIMBER TRACE PIII
Legal Range	02E
Legal Township	44
Legal Section	01
Legal Subdivision	TIMBER TRACE
Legal Block	16
Legal Lot Number	3
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOLES
Census Block Group	1
Census Block	1006
Census Tract	800102

Owner

982 Cedars Valley Rd is owned by a company that acquired it in March 2024 and is owner-occupied.

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	Company Name on File
Mailing Address	982 CEDARS VALLEY RD, SAINT ALBANS, MO 63073-1124
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 13, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2024
Deed Sale	Mar 13, 2024
Prior Sale	Mar 13, 2024
Deed Document Number	2402721
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 13, 2024
Property Address	982 CEDARS VALLEY RD, SAINT ALBANS, MO 63073
Document Number	0002402720
Map Reference	DOC 2004-20975
Instrument Date	Mar 8, 2024
Instrument	2402720
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	TITLE PARTNERS AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 49, SAINT ALBANS, MO 63073-0049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8235 FORSYTH BLVD STE 400, 400, SAINT LOUIS, MO 63105-1621

Mortgage

Document Number	0002402722
Date	Mar 13, 2024
Instrument	2402722

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 13, 2024
Property Address	982 CEDARS VALLEY RD, SAINT ALBANS, MO 63073
Document Number	0002402721
Map Reference	DOC 2004-20975
Instrument Date	Mar 8, 2024
Instrument	2402721
Transaction Type	Transfer
Record Updated	Mar 27, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8235 FORSYTH BLVD STE 400, 400, SAINT LOUIS, MO 63105-1621

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 CEDARS VALLEY RD, SAINT ALBANS, MO 63073

Tax Assessment & Valuation

The 2025 property tax bill for 982 Cedars Valley Rd was $10,112.

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Unified School District	Washington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,112.00	$141,645	$745,500 Land $110,000 Building $635,500
2023	$10,058.00 (+2,072.35%)	$152,739	$803,890 Land $110,000 Building $693,890
2022	$463.00

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

Flood

FEMA maps place 982 Cedars Valley Rd in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 982 Cedars Valley Rd is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 69% 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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