Missouri Foreclosure Guide
Missouri uses non-judicial foreclosure for virtually all deeds of trust. Trustee sales are conducted on courthouse steps. There is no statutory right of redemption after a non-judicial sale in Missouri. St. Louis City is an independent city (not part of St. Louis County) with its own recording and court system, creating a separate chain of title that catches many out-of-state investors off guard.
Process Type
Non-Judicial
Typical Timeline
60–90 days
Sale Method
Trustee sale (courthouse)
Missouri Title Risk Articles
County-Level Exceptions Investors Should Know
Statewide rules only tell part of the story. These county-level quirks catch out-of-state investors off guard.
St. Louis City
St. Louis City is an independent city (not part of St. Louis County), with its own recording office, circuit court, and tax system. Title searches that use only St. Louis County records will miss everything recorded in St. Louis City — a common and costly mistake for out-of-state investors.
Jackson County (Kansas City)
Jackson County has had well-publicized property assessment controversies, including widely inaccurate valuations. Tax appeal proceedings can affect the assessed value (and thus the tax lien amount) on properties under foreclosure. Buyers should verify the most recent assessment and any pending appeals.
St. Charles County
St. Charles County's rapid population growth has produced numerous community improvement districts (CIDs) and transportation development districts (TDDs) whose special assessments appear on the county tax bill but are NOT extinguished by a mortgage foreclosure. They run with the land.
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