11185 Ridge Fork Dr, Holts Summit, MO 65043 Property Records

Callaway County property record for 11185 Ridge Fork Dr, Holts Summit, MO 65043

Property Summary

Property Type	Rural Home
Details	3 ba · 1,558 sqft · built 2013
Lot Size	3.09 acres (135,036 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,238 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-05.0-22.0-00-000-011.000`

Property Details

APN / Parcel Number

Primary APN	`25-05.0-22.0-00-000-011.000`
Alternative APN	`2505022000000010000`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,558 sqft Living Area
1st Floor Area	1,558 sqft
Basement Area	1,558 sqft
Finished Basement	700 sqft
Game Room	Game Room

Exterior

Year Built	Built 2013
Architectural Style	Conventional
Construction Type	Frame
Lot Area	135,036 sqft (3.09 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	70 sqft
Deck Area	196 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	2505022000000011000
Street Address	11185 RIDGE FORK DR
City	HOLTS SUMMIT
State	MO
Zip	65043-2118
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT SE 1/4 S5/456
Jurisdiction	CALLAWAY MO
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1027
Census Tract	70800

Owner

Source: Callaway County records, as of January 14, 2026

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	11185 RIDGE FORK DR, HOLTS SUMMIT, MO 65043-2118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jul 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Apr 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Aug 31, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2020
Deed Sale	Aug 28, 2020
Deed Document Number	0000487256
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11185 RIDGE FORK DR, HOLTS SUMMIT, MO 65043-2118
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000507/851
Date	Jul 13, 2023
Book Page	507/851
Instrument	202303426

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jun 20, 2033

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11185 RIDGE FORK DR, HOLTS SUMMIT, MO 65043-2118
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000507/844
Date	Jul 12, 2023
Book Page	507/844
Instrument	202303419

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	143 Months
Due	Jun 20, 2035

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11185 RIDGE FORK DR, HOLTS SUMMIT, MO 65043-2118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D0238/0867
Date	Apr 12, 2017
Book Page	D0238/0867
Instrument	201702181

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11185 RIDGE FORK DR, HOLTS SUMMIT, MO 65043-2118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	244/906
Date	Aug 31, 2020
Book Page	244/906
Instrument	202005997

Lender

Name	COMMUNITY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Callaway County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Callaway County
Unified School District	Jefferson City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,238.00 (-2.44%)	$36,811 (-)	$193,740 (-)
2024	$2,294.00 (+0.04%)	$36,811 (-)	$193,740 (-)
2023	$2,293.00 (+1.28%)	$36,811 (+1.31%)	$193,740 (+1.31%)
2022	$2,264.00	$36,336 Land $1,767 Building $34,569
2021			$191,240 Land $9,300 Building $181,940

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 5, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1995–1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 1998 · rainfall accumulation

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	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.07% 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	CALLAWAY COUNTY PWSD 1 serves 9,840 people · EPA ID MO3024084
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	4 ppb (2022–2024) 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Callabyte Fiber	1,000 / 1,000
FireServe Fixed Wireless · not low latency	100 / 50

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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