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13409 Lower Bottom Rd, Saint Thomas, MO 65076 Property Records

Cole County property record for 13409 Lower Bottom Rd, Saint Thomas, MO 65076 · Last verified August 2026

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 738 sqft · built 1946
Lot Size8.29 acres (361,112 sqft)
OwnerIndividual Name on File
Tax Bill$1,147 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Feb 2020 Transfer
Flood ZoneZone X (minimal risk)
APN19-06-13-0000-004-004

Property Details

APN / Parcel Number

Primary APN19-06-13-0000-004-004

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area738 sqft Living Area
1st Floor Area738 sqft
Basement Area738 sqft
Unfinished Basement738 sqft

Exterior

Year BuiltBuilt 1946
Effective Year BuiltEffective 1970
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area361,112 sqft (8.29 acres)
Garage TypeBasement

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address13409 LOWER BOTTOM RD
CitySAINT THOMAS
StateMO
Zip65076-2123
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionPT S 1/2 NE & NW COR NESE
Legal Range12W
Legal Township42N
Legal Section13
JurisdictionCOLE MO
Township / Civil DivisionOSAGE
Census Block Group2
Census Block2033
Census Tract20200

Owner

Source: Cole County records · APN 19-06-13-0000-004-004

Assessment roll updated August 21, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address13600 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2122
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 21, 2026Deed of Trust, Mortgage · Line of Credit
MID AMERICA BANK
Feb 06, 2020Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 04, 2025
Deed SaleFeb 04, 2025
Deed Document Number2025886
Deed Book / Page766 / 557
Prior Transfer DateJan 28, 2025
Prior Transfer Doc0000000886
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLE MO
Recording DateMay 21, 2026
Property Address13409 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2123
Document Number0000004531
Book / Page780 / 574
Instrument DateMay 15, 2026
Instrument20264531
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyWOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

NameVerified Name
Address13409 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2123

Mortgage

Document Number0000004531,
DateMay 21, 2026
Book Page780/574
Instrument20264531
Lender
NameMID AMERICA BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate6.3%
Max Rate-1%

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCOLE MO
Recording DateFeb 06, 2020
Property Address13409 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2123
Document Number706/648
Book / Page706 / 648
Instrument DateFeb 04, 2020
Instrument202001018
Transaction TypeTransfer
Record UpdatedOct 14, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address13409 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2123

Tax Assessment & Valuation

Source: Cole County records · Assessment roll updated August 21, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMissouri
CountyCole County
Unified School DistrictBlair Oaks R-II School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,147.00 (+13.68%)$19,240 (-) Land $3,020 Building $16,220$104,400 (-) Land $16,400 Building $88,000
2023$19,240 Land $3,020 Building $16,220$104,400 Land $16,400 Building $88,000
2022$1,009.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cole County (29051C), updated November 2, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290510202002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1993)
Most Recent ClaimSep 1993, river or lake flooding, Severe Storms & Flooding

Wildfire

Wildfire RiskModerate
above 40% of the US · above 39% of Missouri
Wildfire LikelihoodAbout 1 in 1,493 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)Low Latency
Wisper ISPFixed Wireless400 / 30Yes
Wave Internet TechnologiesFixed Wireless (unlicensed)100 / 100Yes
WhittrioFixed Wireless (unlicensed)100 / 50No
Mediacom CommunicationsFixed Wireless100 / 20Yes
BrightspeedDSL10 / 1Yes

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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