Lafayette County property record for 106 W Cedar St, Waverly, MO 64096
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 960 sqft · built 1951 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | Individual Name on File |
| Last Sale | $122,559 (May 2026) |
| Tax Bill | $452 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Jul 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-6.0-23-2-002-017.000 |
| Primary APN | 06-6.0-23-2-002-017.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,002 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Lean-To | 32 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 106 W CEDAR ST |
|---|---|
| City | WAVERLY |
| State | MO |
| Zip | 64096-8172 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 6 & 7 BLK 36 CAWTHORN MILLER & REDDS SUBD; 500-95, 753-385, 2017DR4502, 2024DR1165, 2024DR4133 |
| Legal Range | 24 |
| Legal Township | 51 |
| Legal Section | 23 |
| Legal Subdivision | CAWTHORN MILLER & REDDS SUBD |
| Legal Block | 36 |
| Legal Lot Number | 6-7 |
| Jurisdiction | LAFAYETTE MO |
| Township / Civil Division | MIDDLETON |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 90300 |
106 W Cedar St is owned and occupied by an individual who bought it in May 2026.
Source: Lafayette County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Dec 7, 2017 | Deed of Trust, Mortgage WOOD & HUSTON BANK |
| Jul 6, 2021 | Deed of Trust, Mortgage · Line of Credit EXCHANGE BANK OF MISSOURI |
| Aug 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance EXCHANGE BANK OF MISSOURI |
| May 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage PILGRIM MORTGAGE |
| Apr 4, 2024 | Special Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 7, 2017 | Warranty Deed, Transfer WOOD & HUSTON BANK |
| Dec 7, 2017 | Warranty Deed, Transfer WOOD & HUSTON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on File |
| Deed Sale | May 1, 2026 · Amount on File |
| Prior Sale | Apr 4, 2024 · Amount on File |
| Deed Document Number | 20261754 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Property Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02017/4515 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 2017/4515 |
| Instrument | 2017DR4515 |
| Name | WOOD & HUSTON BANK |
|---|---|
| Type | Bank |
| Address | HIGGINSVILLE, MO 64037 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 6, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Property Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2021DR3473 |
|---|---|
| Date | Jul 6, 2021 |
| Instrument | 2021DR3473 |
| Name | EXCHANGE BANK OF MISSOURI |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Property Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2022DR3968 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 2022DR3968 |
| Name | EXCHANGE BANK OF MISSOURI |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Recording Date | May 1, 2026 |
| Property Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Document Number | 0000001754 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.1754 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Document Number | 0000001755, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 2026..1755 |
| Name | PILGRIM MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Recording Date | Apr 4, 2024 |
| Property Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Document Number | 2024DR1165 |
| Instrument Date | Apr 4, 2024 |
| Instrument | 2024DR1165 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Document Number | 2024DR1166 |
|---|---|
| Date | Apr 4, 2024 |
| Instrument | 2024DR1166 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Recording Date | Dec 7, 2017 |
| Property Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Document Number | 2017/4502 |
| Book / Page | 2017 / 4502 |
| Map Reference | MB 2 PG 24 |
| Instrument Date | Dec 6, 2017 |
| Instrument | 2017DR4502 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 221, WAVERLY, MO 64096-0221 |
| Document Number | 2017/4503 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 2017/4503 |
| Instrument | 2017DR4503 |
| Name | WOOD & HUSTON BANK |
|---|---|
| Type | Bank |
| Address | HIGGINSVILLE, MO 64037 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 6, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Recording Date | Dec 7, 2017 |
| Property Address | 106 W CEDAR ST, WAVERLY, MO 64096-8172 |
| Document Number | 02017/4502 |
| Book / Page | 2017 / 4502 |
| Map Reference | MB 2 PG 24 |
| Instrument Date | Dec 6, 2017 |
| Instrument | 2017DR4502 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 221, WAVERLY, MO 64096-0221 |
| Document Number | 02017/4503 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 2017/4503 |
| Instrument | 2017DR4503 |
| Name | WOOD & HUSTON BANK |
|---|---|
| Type | Bank |
| Address | HIGGINSVILLE, MO 64037 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 6, 2032 |
The 2025 property tax bill for 106 W Cedar St was $452, up 14.1% from the year before.
Source: Lafayette County assessment roll, as of October 28, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Lafayette County |
| Municipality | Waverly City |
| Unified School District | Santa Fe R-X School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $452.00 (+14.14%) | $6,105 | $32,130 Land $7,180 Building $24,950 |
| 2024 | $396.00 | ||
| 2023 | $5,356 | $28,190 Land $6,300 Building $21,890 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 106 W Cedar St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 26, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 106 W Cedar St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 78% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% 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 | WAVERLY PWS serves 900 people · EPA ID MO1010839 |
|---|---|
| Water Source | Purchased groundwater from MARSHALL PWS |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | No certified operator Nov 2024 |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Green Hills Technologies Cable | 250 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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