Madison County property record for 1048 Madison 278, Fredericktown, MO 63645
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3,896 sqft · built 2019 |
| Lot Size | 5.07 acres (221,285 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,897 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jul 2025 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 07-4.0-18-000-000-023.005 |
| Primary APN | 07-4.0-18-000-000-023.005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,896 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Shingle |
| Lot Area | 221,285 sqft (5.07 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Street Address | 1048 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 |
1048 Madison 278 is owned and occupied by two individuals who acquired it in January 2019.
Source: Madison County records, as of January 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1048 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.
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Line of Credit PEOPLES COMMUNITY BANK |
| Jul 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2019 |
| Deed Sale | Jan 18, 2019 |
| Deed Document Number | 0000502265 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MO |
| Property Address | 1048 MADISON 278, FREDERICKTOWN, MO 63645-8549 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000530/66 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 530/66 |
| Instrument | 2021001035 |
| Name | PEOPLES COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MO |
| Property Address | 1048 MADISON 278, FREDERICKTOWN, MO 63645-8549 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000577/249 |
|---|---|
| Date | Jul 14, 2025 |
| Book Page | 577/249 |
| Instrument | 2025000995 |
| Name | PEOPLES COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 11, 2026 |
The 2025 property tax bill for 1048 Madison 278 was $3,897.
Source: Madison County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Madison County |
| Unified School District | Fredericktown R-I School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,897.00 | $71,950 | $378,660 Land $10,330 Building $368,330 |
| 2023 | $71,950 | $378,660 Land $10,330 Building $368,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1048 Madison 278 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 2, 2012
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1048 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 63% of the US · lower than 70% 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.
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 |
| 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.
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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