12 Cardiff Ln, Hannibal, MO 63401 Property Records

Marion County property record for 12 Cardiff Ln, Hannibal, MO 63401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,398 sqft · built 1977
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,660 (2025)
Deeds & Mortgages	May 2020 Refinance Apr 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H5177`

Property Details

APN / Parcel Number

Primary APN	`H5177`
Alternative APN	`010.04.20.4.06.002.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,398 sqft Living Area
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Wood
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	125 ft deep x 250 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	H5177
Street Address	12 CARDIFF LN
City	HANNIBAL
State	MO
Zip	63401-2130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD CARDIFF PARK, ALL LOT 12 DIM MAP-250 X 125 IRR
Legal Range	04W
Legal Township	57N
Legal Section	20
Legal Subdivision	CARDIFF PARK
Legal Lot Number	12
Jurisdiction	MARION MO
Township / Civil Division	MILLER
Census Block Group	1
Census Block	1045
Census Tract	960400

Owner

12 Cardiff Ln is owned and occupied by two individuals who acquired it in August 2009.

Source: Marion County records, as of March 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 CARDIFF LN, HANNIBAL, MO 63401-2130
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.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance F&M BANK AND TRUST COMPANY
Apr 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SUCCESS MORTGAGE PARTNERS
Apr 2, 2025	Deed of Trust, Mortgage · Closed-End Mortgage F&M BANK & TRUST CO
Oct 14, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 17, 2009
Transfer Doc	2009R003237
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION MO
Property Address	12 CARDIFF LN, HANNIBAL, MO 63401-2130
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R001378
Date	May 6, 2020
Instrument	2020R001378

Lender

Name	F&M BANK AND TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION MO
Property Address	12 CARDIFF LN, HANNIBAL, MO 63401-2130
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R000973
Date	Apr 26, 2019
Instrument	2019R000973

Lender

Name	SUCCESS MORTGAGE PARTNERS

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION MO
Property Address	12 CARDIFF LN, HANNIBAL, MO 63401-2130
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025R000852
Date	Apr 2, 2025
Instrument	2025R000852

Lender

Name	F&M BANK & TRUST CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	108 Months
Due	Apr 1, 2034

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION MO
Recording Date	Oct 14, 2025
Property Address	12 CARDIFF LN, HANNIBAL, MO 63401-2130
Document Number	2025R003157
Instrument Date	Oct 10, 2025
Instrument	2025R003157
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12 CARDIFF LN, HANNIBAL, MO 63401-2130

Tax Assessment & Valuation

The 2025 property tax bill for 12 Cardiff Ln was $2,660, up 6.7% from the year before.

Source: Marion County assessment roll, as of March 10, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Marion County
Municipality	Hannibal City
Unified School District	Hannibal 60 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,660.00 (+6.7%)	$41,110 (+10.01%) Land $3,470 Building $37,640	$216,350 Land $18,270 Building $198,080
2024	$2,493.00 (+6.81%)	$37,370 (-) Land $3,160 Building $34,210
2023	$2,334.00	$37,370 Land $3,160 Building $34,210	$196,680 Land $16,610 Building $180,070

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

Flood

FEMA maps place 12 Cardiff Ln in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective January 13, 2022 · 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	11 (1979–2013)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jun 2013 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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

Wildfire risk around 12 Cardiff Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HANNIBAL PWS serves 17,108 people · EPA ID MO2010344
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Aug 2023 Treatment failure resolved · Oct 2016
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Chariton Valley Communication, T-Mobile.

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