1031 Madison 278, Fredericktown, MO 63645 Property Records

Madison County property record for 1031 Madison 278, Fredericktown, MO 63645

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,795 sqft · built 2008
Lot Size	3.09 acres (135,036 sqft)
Owner	Individual Name on File
Tax Bill	$2,105 (2025)
Deeds & Mortgages	Dec 2020 Refinance Mar 2011 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-4.0-18-000-000-023.006`

Property Details

APN / Parcel Number

Primary APN	`07-4.0-18-000-000-023.006`
Alternative APN	`9762`

Interior

Bedrooms	4 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,795 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Shingle
Lot Area	135,036 sqft (3.09 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	1031 MADISON 278
City	FREDERICKTOWN
State	MO
Zip	63645-8549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT USPS 2054 & 2075
Jurisdiction	MADISON MO
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2069
Census Tract	960201

Owner

1031 Madison 278 is owned and occupied by an individual who acquired it in June 2022.

Source: Madison County records, as of January 12, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUILD MORTGAGE CO
Mar 8, 2011	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Aug 8, 2008	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
Dec 29, 2008	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
Jun 17, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage OZARKS FEDERAL SAVINGS & LOAN ASSOC
Mar 1, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2022
Deed Sale	Jun 21, 2022
Prior Sale	Mar 1, 2019
Deed Document Number	0000543487
Deed Book / Page	543 / 487
Prior Transfer Date	Jun 17, 2022
Prior Transfer Doc	000543/487
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000523/436
Date	Dec 17, 2020
Book Page	523/436
Instrument	2020002076

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00426/0027
Date	Mar 8, 2011
Book Page	426/0027
Instrument	0373

Lender

Name	PEOPLES BANK
Type	Bank
Address	OVERLAND PARK, KS 66213

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2041

August 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00400/0420
Date	Aug 8, 2008
Book Page	400/0420
Instrument	1604

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2038

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00404/0259
Date	Dec 29, 2008
Book Page	404/0259
Instrument	2425

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2039

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MO
Recording Date	Jun 17, 2022
Property Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549
Document Number	000543/487
Book / Page	543 / 487
Instrument Date	Jun 15, 2022
Instrument	2022001063
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549

Mortgage

Document Number	2022001064
Date	Jun 17, 2022
Instrument	2022001064

Lender

Name	OZARKS FEDERAL SAVINGS & LOAN ASSOC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MO
Recording Date	Mar 1, 2019
Property Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549
Document Number	000503/425
Book / Page	503 / 425
Instrument Date	Feb 28, 2019
Instrument	2017004316
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 MADISON 278, FREDERICKTOWN, MO 63645-8549

Mortgage

Document Number	000503/428
Date	Mar 1, 2019
Book Page	503/428
Instrument	2017004317

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1031 Madison 278 was $2,105.

Source: Madison County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Madison County
Unified School District	Fredericktown R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,105.00	$38,870	$204,570 Land $9,030 Building $195,540
2023		$38,870	$204,570 Land $9,030 Building $195,540

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

Flood

FEMA maps place 1031 Madison 278 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 2, 2012

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1031 Madison 278 is low, with a 0.05% 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	0.05% 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	MADISON COUNTY PWSD 1 NORTH AND SOUTH serves 1,705 people · EPA ID MO4024368
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 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	1 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T, T-Mobile.

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