Cole County property record for 13921 Lower Bottom Rd, Saint Thomas, MO 65076
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,751 sqft · built 2004 |
| Lot Size | 6.39 acres (278,348 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,834 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Sep 2017 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-06-24-0000-001-002001 |
| Primary APN | 19-06-24-0000-001-002001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,751 sqft Living Area |
| 1st Floor Area | 1,754 sqft |
| Basement Area | 1,824 sqft |
| Unfinished Basement | 1,824 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 278,348 sqft (6.39 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 13921 LOWER BOTTOM RD |
|---|---|
| City | SAINT THOMAS |
| State | MO |
| Zip | 65076-2171 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PT NE NW & PT NW NE BEG NW COR SEC 24; 1363.04 ALNG SEC LN TO POB; CONT ALNG SEC LINE 348.60; SE |
| Legal Range | 12W |
| Legal Township | 42N |
| Legal Section | 24 |
| Jurisdiction | COLE MO |
| Township / Civil Division | OSAGE |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 20200 |
Source: Cole County records · APN 19-06-24-0000-001-002001
Assessment roll updated August 21, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 03, 2017 | Deed of Trust, Mortgage MORTGAGE ELECTRONIC REGISTRATION SYSTEMS |
| Sep 20, 2017 | Deed of Trust, Mortgage HAWTHORNE BANK |
| Nov 22, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance MID AMERICA BANK |
| Jul 06, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MID AMERICA BANK |
| Aug 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MID AMERICA BANK |
| Aug 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance MID AMERICA BANK |
| Feb 03, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Feb 03, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Dec 31, 2016 |
| Transfer Doc | 673/599 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLE MO |
| Property Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000673/0000000596 |
|---|---|
| Date | Feb 03, 2017 |
| Book Page | 0000000673/0000000596 |
| Instrument | 201701022 |
| Name | MORTGAGE ELECTRONIC REGISTRATION SYSTEMS |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 347 Months |
| Due | Jan 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLE MO |
| Property Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000680/0000000646 |
|---|---|
| Date | Sep 20, 2017 |
| Book Page | 0000000680/0000000646 |
| Instrument | 201709281 |
| Name | HAWTHORNE BANK |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLE MO |
| Property Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 704/460 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 704/460 |
| Instrument | 201910548 |
| Name | MID AMERICA BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Dec 01, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLE MO |
| Property Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 712/92 |
|---|---|
| Date | Jul 06, 2020 |
| Book Page | 712/92 |
| Instrument | 202006715 |
| Name | MID AMERICA BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLE MO |
| Property Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 714/479 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 714/479 |
| Instrument | 202009209 |
| Name | MID AMERICA BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLE MO |
| Property Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 701/586 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 701/586 |
| Instrument | 201907466 |
| Name | MID AMERICA BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COLE MO |
| Recording Date | Feb 03, 2017 |
| Property Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Document Number | 673/599 |
| Book / Page | 673 / 599 |
| Instrument Date | Dec 31, 2016 |
| Instrument | 201701025 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COLE MO |
| Recording Date | Feb 03, 2017 |
| Property Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
| Document Number | 673/600 |
| Book / Page | 673 / 600 |
| Instrument Date | Dec 31, 2016 |
| Instrument | 201701026 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13921 LOWER BOTTOM RD, SAINT THOMAS, MO 65076-2171 |
Source: Cole County records · Assessment roll updated August 21, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Cole County |
| Unified School District | Blair Oaks R-II School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,834.00 (+3.58%) | $47,370 (-) Land $5,800 Building $41,570 | $249,600 (-) Land $30,800 Building $218,800 |
| 2024 | $2,736.00 (+10.59%) | ||
| 2023 | $47,370 Land $5,800 Building $41,570 | $249,600 Land $30,800 Building $218,800 | |
| 2022 | $2,474.00 |
Source: FEMA National Flood Hazard Layer, Cole County (29051C), as of November 2, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290510202002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Sep 1993 · Severe Storms & Flooding |
| Wildfire Risk | Moderate above 40% of the US · lower than 60% of Missouri |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wisper ISP Fixed Wireless | 400 / 30 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| Whittrio Fixed Wireless · not low latency | 100 / 50 |
| Mediacom Communications Fixed Wireless | 100 / 20 |
Based on FCC filings for 5 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MO3024164, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COLE COUNTY PWSD 5 serves 350 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 15 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Nov 2017 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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