103 Cedar Rdg Dr, Pacific, MO 63069 Property Records

Franklin County property record for 103 Cedar Rdg Dr, Pacific, MO 63069

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1972
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$176,800 (May 2021)
Tax Bill	$1,650 (2025)
Deeds & Mortgages	Jan 2024 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`19-2-10.0-4-003-166.000`

Property Details

APN / Parcel Number

Primary APN	`19-2-10.0-4-003-166.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Patio Area	54 sqft

Location & Zoning

Street Address	103 CEDAR RIDGE DR
City	PACIFIC
State	MO
Zip	63069-3406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:59 CEDARS 3
Legal Range	2E
Legal Township	43N
Legal Section	10
Legal Subdivision	CEDARS (LOC 19)
Legal Lot Number	59
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOLES
Census Block Group	1
Census Block	1017
Census Tract	800704

Owner

Source: Franklin County records, as of November 11, 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	103 CEDAR RIDGE DR, PACIFIC, MO 63069-3406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
May 26, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKERS SOLUTIONS INC
May 9, 2019	Warranty Deed, Transfer UNITED MTG
Dec 13, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CMNTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	May 9, 2019 · Amount on Record
Deed Document Number	20219924
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	103 CEDAR RIDGE DR, PACIFIC, MO 63069-3406
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002400310
Date	Jan 9, 2024
Instrument	2400310

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 31, 2033

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 26, 2021
Property Address	103 CEDAR RIDGE DR, PACIFIC, MO 63069-3406
Document Number	0002109924
Map Reference	PB M PG 27
Instrument Date	May 21, 2021
Instrument	2109924
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	INVESTORS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2244 SILVER LAKE ESTATES DR, 2244, PACIFIC, MO 63069-5565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CEDAR RIDGE DR, PACIFIC, MO 63069-3406
Investor	Possibly a Property Investor

Mortgage

Document Number	0002109925
Date	May 26, 2021
Instrument	2109925

Lender

Name	BROKERS SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 9, 2019
Property Address	103 CEDAR RIDGE DR, PACIFIC, MO 63069-3406
Document Number	0000005461
Instrument Date	May 3, 2019
Instrument	5461
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2244 SILVER LAKE ESTATES DR PACIFIC MO 630695565, PACIFIC, MO 63069-5565

Mortgage

Document Number	5462
Date	May 9, 2019
Instrument	5462

Lender

Name	UNITED MTG
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	103 CEDAR RIDGE DR, PACIFIC, MO 63069-3406
Document Number	0000000398
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	103 CEDAR RIDGE DR PACIFIC MO 630693406, PACIFIC, MO 63069-3406

Mortgage

Document Number	0000000398
Date	Jan 9, 2019
Instrument	398

Lender

Name	FIRST CMNTY FCU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 8, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	Pacific City
Unified School District	Meramec Valley R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,650.00 (+10.96%)	$21,896 (+9.94%)	$115,240 (+9.94%) Land $35,000 Building $80,240
2023	$1,487.00 (+15%)	$19,916	$104,820 Land $35,000 Building $69,820
2022	$1,293.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 45 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
AT&T DSL	100 / 20

May also be available: Wisper ISP.

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