995 Ferdinand St, Saint Clair, MO 63077 Property Records

Franklin County property record for 995 Ferdinand St, Saint Clair, MO 63077 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1990
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$1,816 (2025)
Deeds & Mortgages	Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-7-36.0-1-005-092.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-36.0-1-005-092.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1990
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)
Patio Area	160 sqft

Location & Zoning

Street Address	995 FERDINAND ST
City	SAINT CLAIR
State	MO
Zip	63077-1558
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:17&18 R C MURPHY ADDN
Legal Range	01W
Legal Township	42
Legal Section	36
Legal Quarter	NE
Legal Subdivision	R C MURPHY
Legal Block	5
Legal Lot Number	17,18 18
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1013
Census Tract	800904

Owner

Source: Franklin County records · APN 22-7-36.0-1-005-092.000

Assessment roll updated May 31, 2025 · Last verified November 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 File
Mailing Address	995 FERDINAND ST, SAINT CLAIR, MO 63077-1558
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 25, 2001
Deed Sale	May 25, 2001
Deed Document Number	1333-01045
Record Updated	Jun 08, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	995 FERDINAND ST, SAINT CLAIR, MO 63077-1558
Transaction Type	Mortgage
Record Updated	Nov 08, 2023
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002312262
Date	Oct 16, 2023
Instrument	2312262

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 01, 2020
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	5-Year CMT
Margin	2
Max Rate	12.2%

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated May 31, 2025 · Last verified November 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,816.00 (+653.53%)	$26,968 (+597.21%)	$141,940 (+597.15%) Land $20,360 Building $121,580
2023	$241.00 (+1.26%)	$3,868	$20,360 Land $20,360
2022	$238.00

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
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Low above 34% of the US · above 25% of Missouri
Wildfire Likelihood	About 1 in 3,125 per year
Exposure	Direct burnable vegetation at the parcel

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.