1043 Madison 278, Fredericktown, MO 63645 Property Records

Madison County property record for 1043 Madison 278, Fredericktown, MO 63645

Property Summary

Property Type	Single Family Home
Details	2,508 sqft · built 2005
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,358 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Dec 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-4.0-18-000-000-023.003`

Property Details

APN / Parcel Number

Primary APN	`07-4.0-18-000-000-023.003`
Alternative APN	`9539`

Interior

Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	2,508 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	1043 MADISON 278
City	FREDERICKTOWN
State	MO
Zip	63645-8549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT USPS 2054
Jurisdiction	MADISON MO
Township / Civil Division	ST. MICHAEL
Census Block Group	2
Census Block	2069
Census Tract	960201

Owner

1043 Madison 278 is owned and occupied by two individuals who acquired it in November 2021.

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

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	2 Individual Names on File
Mailing Address	1043 MADISON 278, FREDERICKTOWN, MO 63645-8549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEW ERA BANK
Dec 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST STATE COMMUNITY BANK
Nov 23, 2021	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2021
Deed Sale	Nov 23, 2021
Deed Document Number	0000053680
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	1043 MADISON 278, FREDERICKTOWN, MO 63645-8549
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00483/0745
Date	Mar 27, 2017
Book Page	483/0745

Lender

Name	NEW ERA BANK
Type	Bank
Address	FREDERICKTOWN, MO 63645

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Mar 24, 2042

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	1043 MADISON 278, FREDERICKTOWN, MO 63645-8549
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000511/483
Date	Dec 12, 2019
Book Page	511/483
Instrument	2017005806

Lender

Name	FIRST STATE COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MO
Recording Date	Nov 23, 2021
Property Address	1043 MADISON 278, FREDERICKTOWN, MO 63645-8549
Document Number	0000536/80
Book / Page	536 / 80
Instrument Date	Nov 18, 2021
Instrument	2021002126
Transaction Type	Transfer
Record Updated	Dec 15, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1043 MADISON 278, FREDERICKTOWN, MO 63645-8549

Mortgage

Document Number	0000536/83
Date	Nov 23, 2021
Book Page	536/83
Instrument	2021002127

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1043 Madison 278 was $2,358.

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	$2,358.00	$43,550	$229,230 Land $8,000 Building $221,230
2023		$43,550	$229,230 Land $8,000 Building $221,230

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

Flood

FEMA maps place 1043 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 1043 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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