11588 Co Rd 385, Holts Summit, MO 65043 Property Records

Callaway County property record for 11588 Co Rd 385, Holts Summit, MO 65043

Property Summary

Property Type	Rural Home
Details	4 ba · 4,000 sqft · built 2006
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Tax Bill	$4,258 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Dec 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`25-08.0-27.0-00-000-026.000`

Property Details

APN / Parcel Number

Primary APN	`25-08.0-27.0-00-000-026.000`
Alternative APN	`2508027000000020000`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	4,000 sqft Living Area
1st Floor Area	2,353 sqft
Basement Area	2,353 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Geodesic/Dome
Roof Material	Fiberglass
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	292 sqft
Pole Barn	2,400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2508027000000026000
Street Address	11588 COUNTY ROAD 385
City	HOLTS SUMMIT
State	MO
Zip	65043-1335
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT S 1/2 E 1/2 SE SE
Jurisdiction	CALLAWAY MO
Township / Civil Division	SUMMIT
Census Block Group	3
Census Block	3017
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage CENTRAL TRUST BANK
Dec 27, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage BANK OF ST ELIZABETH
Jan 18, 2024	Deed of Trust, Mortgage · Closed-End Mortgage MID AMERICA BANK
Mar 17, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ST ELIZABETH
Feb 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ST ELIZABETH
Oct 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FLAT BRANCH MORTGAGE
Nov 3, 2020	Deed of Trust, Mortgage · ARM CENTRAL TRUST BANK
Sep 17, 2019	Warranty Deed, Transfer · Stand-Alone Refinance CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019
Deed Sale	Sep 17, 2019
Prior Sale	Feb 16, 2005
Deed Document Number	201905717
Deed Book / Page	160
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201905718
Date	Sep 17, 2019
Instrument	201905718

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000248/166
Date	Dec 27, 2021
Book Page	248/166
Instrument	202109575

Lender

Name	BANK OF ST ELIZABETH

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000511/118
Date	Jan 18, 2024
Book Page	511/118
Instrument	202400242

Lender

Name	MID AMERICA BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000498/542
Date	Mar 17, 2022
Book Page	498/542
Instrument	202201594

Lender

Name	BANK OF ST ELIZABETH

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000497/757
Date	Feb 7, 2022
Book Page	497/757
Instrument	202200770

Lender

Name	BANK OF ST ELIZABETH

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	247/661
Date	Oct 4, 2021
Book Page	247/661
Instrument	202107574

Lender

Name	FLAT BRANCH MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	245/387
Date	Nov 3, 2020
Book Page	245/387
Instrument	202007919

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLAWAY MO
Recording Date	Sep 17, 2019
Property Address	11588 COUNTY ROAD 385, HOLTS SUMMIT, MO 65043-1335
Document Number	201905717
Book / Page	160
Instrument Date	Sep 13, 2019
Instrument	201905717
Transaction Type	Transfer
Record Updated	Dec 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201905718
Date	Sep 17, 2019
Instrument	201905718

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$4,258.00 (-2.5%)	$70,042 (-)	$371,010 (-)
2024	$4,367.00 (+0.07%)	$70,042 (-)	$371,010 (-)
2023	$4,364.00 (+0.67%)	$70,042 (+0.68%)	$371,010 (+0.68%)
2022	$4,335.00	$69,567 Land $1,125 Building $68,442
2021			$368,510 Land $6,460 Building $362,050

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 Policies	1 in force

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 44% of the US · above 49% 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 16 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: Mediacom Xtream, Wisper ISP.

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