12278 Co Rd 4031, Holts Summit, MO 65043 Property Records

Callaway County property record for 12278 Co Rd 4031, Holts Summit, MO 65043

Property Summary

Property Type	Rural Home
Details	1 ba · 2,000 sqft · built 2022
Lot Size	3.7 acres (161,172 sqft)
Owner	Individual Name on Record
Tax Bill	$3,323 (2025)
Deeds & Mortgages	Jun 2022 Refinance Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-03.0-05.0-00-000-009.002`

Property Details

APN / Parcel Number

Primary APN	`28-03.0-05.0-00-000-009.002`
Alternative APN	`2803005000000000000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,000 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 2022
Architectural Style	Mobile/Manufactured
Construction Type	Frame
Lot Area	161,172 sqft (3.7 acres)
Shed	1 Shed
Shed Area	1,000 sqft
Lean-To	338 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2803005000000009002
Street Address	12278 COUNTY ROAD 4031
City	HOLTS SUMMIT
State	MO
Zip	65043-1588
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT W 1/2 SW S7/172
Jurisdiction	CALLAWAY MO
Township / Civil Division	SUMMIT
Census Block Group	2
Census Block	2003
Census Tract	70702

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	12278 COUNTY ROAD 4031, HOLTS SUMMIT, MO 65043-1588
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MID AMERICA BANK
Jul 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MID AMERICA BANK
May 13, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2021
Deed Sale	May 13, 2021
Deed Document Number	0000492550
Deed Book / Page	492 / 550
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	12278 COUNTY ROAD 4031, HOLTS SUMMIT, MO 65043-1588
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000500/717
Date	Jun 15, 2022
Book Page	500/717
Instrument	202203818

Lender

Name	MID AMERICA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	12278 COUNTY ROAD 4031, HOLTS SUMMIT, MO 65043-1588
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000247/228
Date	Jul 23, 2021
Book Page	247/228
Instrument	202105716

Lender

Name	MID AMERICA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2022

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLAWAY MO
Recording Date	May 13, 2021
Property Address	12278 COUNTY ROAD 4031, HOLTS SUMMIT, MO 65043-1588
Document Number	000492/550
Book / Page	492 / 550
Instrument Date	May 13, 2021
Instrument	202103703
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12278 COUNTY ROAD 4031, HOLTS SUMMIT, MO 65043-1588

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	$3,323.00 (-2.47%)	$54,654 (-)	$287,650 (-)
2024	$3,407.00 (+0.21%)	$54,654 (+0.12%)	$287,650 (+0.11%)
2023	$3,400.00 (+496.49%)	$54,591 (+496.1%)	$287,320 (+496.1%)
2022	$570.00	$9,158 Land $2,812 Building $6,346
2021			$48,200 Land $14,800 Building $33,400

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 45% of the US · above 52% of Missouri
Wildfire Likelihood	0.08% 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 7 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 4031

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