12445 Co Rd 4039, Holts Summit, MO 65043 Property Records

Callaway County property record for 12445 Co Rd 4039, Holts Summit, MO 65043

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,381 sqft · built 2014
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$2,355 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-01.0-12.0-00-000-003.002`

Property Details

APN / Parcel Number

Primary APN	`27-01.0-12.0-00-000-003.002`
Alternative APN	`2701012000000000000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,381 sqft Living Area
1st Floor Area	1,381 sqft
Basement Area	1,381 sqft
Finished Basement	1,000 sqft
Game Room	Game Room

Exterior

Year Built	Built 2014
Architectural Style	Conventional
Construction Type	Frame
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	146 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	2701012000000003002
Street Address	12445 COUNTY ROAD 4039
City	HOLTS SUMMIT
State	MO
Zip	65043-2200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE NW TRACT 2 S3/PG 922
Legal Tract	2
Jurisdiction	CALLAWAY MO
Township / Civil Division	SUMMIT
Census Block Group	2
Census Block	2014
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	12445 COUNTY ROAD 4039, HOLTS SUMMIT, MO 65043-2200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LANDMARK BANK
Oct 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JEFFERSON BANK
Apr 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL TRUST BANK
Nov 23, 2022	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022
Deed Sale	Nov 23, 2022
Deed Document Number	202207253
Deed Book / Page	503 / 996
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	12445 COUNTY ROAD 4039, HOLTS SUMMIT, MO 65043-2200
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000511/821
Date	Mar 7, 2024
Book Page	511/821
Instrument	202400957

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	12445 COUNTY ROAD 4039, HOLTS SUMMIT, MO 65043-2200
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201905939
Date	Sep 25, 2019
Instrument	201905939

Lender

Name	LANDMARK BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	12445 COUNTY ROAD 4039, HOLTS SUMMIT, MO 65043-2200
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000245/199
Date	Oct 7, 2020
Book Page	245/199
Instrument	202007156

Lender

Name	JEFFERSON BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	12445 COUNTY ROAD 4039, HOLTS SUMMIT, MO 65043-2200
Transaction Type	Mortgage
Record Updated	May 9, 2023
Title Company	MIDWEST TITLE AND ESCROW INC, MIDWEST TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000499/382
Date	Apr 20, 2022
Book Page	499/382
Instrument	202202455

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLAWAY MO
Recording Date	Nov 23, 2022
Property Address	12445 COUNTY ROAD 4039, HOLTS SUMMIT, MO 65043-2200
Document Number	000503/996
Book / Page	503 / 996
Instrument Date	Nov 18, 2022
Instrument	202207253
Transaction Type	Transfer
Record Updated	May 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12445 COUNTY ROAD 4039, HOLTS SUMMIT, MO 65043-2200

Mortgage

Document Number	000503/997
Date	Nov 23, 2022
Book Page	503/997
Instrument	202207254

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

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	$2,355.00 (-2.44%)	$38,741 (-)	$203,900 (-)
2024	$2,414.00 (+0.04%)	$38,741 (-)	$203,900 (-)
2023	$2,413.00 (+9.98%)	$38,741 (+10.03%)	$203,900 (+10.03%)
2022	$2,194.00	$35,211 Land $1,425 Building $33,786
2021			$185,320 Land $7,500 Building $177,820

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	7 in force
Nearby Flood Claims	159 (1982–2019)
Claims Outside the SFHA	6 of 159
Most Recent Claim	Jul 2019 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2019 · 15 claims Severe Storms, Tornadoes, Hail, Flooding, Jun 1995 · 46 claims Severe Storms & Flooding, Sep 1993 · 78 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

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

Wildfire Risk	Moderate above 43% of the US · above 47% 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Callabyte Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
FireServe Fixed Wireless · not low latency	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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