12394 Rte Y, Madison, MO 65263 Property Records

Monroe County property record for 12394 Rte Y, Madison, MO 65263

Property Summary

Property Type	Rural Home
Details	4,171 sqft · built 2018
Lot Size	160 acres (6,969,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,880 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-5.0-15-000-000-005.010`

Property Details

APN / Parcel Number

Primary APN	`18-5.0-15-000-000-005.010`

Interior

Building Area	4,171 sqft Adjusted Area
1st Floor Area	2,137 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,969,600 sqft (160 acres)

Location & Zoning

Street Address	12394 ROUTE Y
City	MADISON
State	MO
Zip	65263-2291
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	N1/2 OF SW1/4 & W1/2 OF SE1/4
Legal Range	12W
Legal Township	53N
Legal Section	15
Jurisdiction	MONROE MO
Township / Civil Division	UNION
Census Block Group	3
Census Block	3175
Census Tract	960300

Owner

12394 Rte Y, a rural home, is owned and occupied by two individuals.

Source: Monroe County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12394 ROUTE Y, MADISON, MO 65263-2291
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
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit COUNTY BANK
Dec 12, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MO
Recording Date	Jun 17, 2026
Property Address	12394 ROUTE Y, MADISON, MO 65263-2291
Document Number	0000000755
Instrument Date	Jun 17, 2026
Instrument	2026755
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12394 ROUTE Y, MADISON, MO 65263-2291

Mortgage

Document Number	0000000755,
Date	Jun 17, 2026
Instrument	2026755

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	42 Months
Due	Dec 15, 2029

Interest

Rate	3.5%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MO
Recording Date	Jun 17, 2026
Property Address	12394 ROUTE Y, MADISON, MO 65263-2291
Document Number	0000000756
Instrument Date	Jun 17, 2026
Instrument	2026756
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12394 ROUTE Y, MADISON, MO 65263-2291

Mortgage

Document Number	0000000756,
Date	Jun 17, 2026
Instrument	2026756

Lender

Name	COUNTY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jun 17, 2031

Interest

Rate	6.51%
Max Rate	-1%

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MO
Recording Date	Dec 12, 2024
Property Address	12394 ROUTE Y, MADISON, MO 65263-2291
Document Number	0020241303
Instrument Date	Dec 12, 2024
Instrument	2024-1303
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
Address	12394 ROUTE Y, MADISON, MO 65263-2291

Tax Assessment & Valuation

The 2025 property tax bill for 12394 Rte Y was $2,880.

Source: Monroe County assessment roll, as of February 12, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Monroe County
Elementary School District	Middle Grove C-1 School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,830 (+4.87%)	$271,100 (+6.82%)
2025	$2,880.00	$42,750	$253,800 Land $50,000 Building $203,800
2023		$31,220	$192,100
2020	$1,941.00

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

Flood

FEMA maps place 12394 Rte Y in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 17, 2006

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12394 Rte Y is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.06% 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	MONROE COUNTY PWSD 2 serves 6,700 people · EPA ID MO2024402
Water Source	Purchased surface water from CLARENCE CANNON WHOLESALE WTR COMM
Last State Inspection	Jun 2025
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream Fixed Wireless	100 / 10
Mark Twain Communications Company Fixed Wireless	30 / 20
Air Link Rural Broadband Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rte Y

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures