1832 Cottage Ln, Seneca, MO 64865 Property Records

Newton County property record for 1832 Cottage Ln, Seneca, MO 64865

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,344 sqft · built 1970
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$90,009 (Jul 2018)
Tax Bill	$679 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-28402-0`

Property Details

APN / Parcel Number

Primary APN	`45-28402-0`
Alternative APN	`19-2.0-09-001-005-007.000`

Interior

Bedrooms	2 Beds
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1832 COTTAGE LN
City	SENECA
State	MO
Zip	64865-9724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLES J. HOFF 2: S 50 LOT 11 & N 25 LOT 10
Legal Range	34W
Legal Township	24N
Legal Section	09
Legal Subdivision	CHARLES J. HOFF 2
Legal Lot Number	11,10
Jurisdiction	NEWTON MO
Township / Civil Division	SENECA
Census Block Group	3
Census Block	3046
Census Tract	20700

Owner

1832 Cottage Ln is owned and occupied by an individual who bought it in July 2018.

Source: Newton County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1832 COTTAGE LN, SENECA, MO 64865-9724
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
Jan 8, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 29, 2023	Deed of Trust, Mortgage · FHA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2018 · Amount on File
Deed Sale	Jul 27, 2018 · Amount on File
Deed Document Number	20184847
Deed Book / Page	367 / 4791
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON MO
Property Address	1832 COTTAGE LN, SENECA, MO 64865-9724
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1832 COTTAGE LN, SENECA, MO 64865-9724

Mortgage

Document Number	000375/159
Date	Jan 8, 2026
Book Page	375/159
Instrument	202600162

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON MO
Property Address	1832 COTTAGE LN, SENECA, MO 64865-9724
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1832 COTTAGE LN, SENECA, MO 64865-9724

Mortgage

Document Number	00372/3958
Date	Jun 29, 2023
Book Page	372/3958
Instrument	202304000

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Newton County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Newton County
Municipality	Seneca City
Unified School District	Seneca R-VII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$12,250	$64,500 Land $6,700 Building $57,800
2024	$679.00 (+0.15%)
2023	$678.00	$11,800 Land $1,273 Building $10,527	$62,100 Land $6,700 Building $55,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1832 Cottage Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2000–2017)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Apr 2017 · 2 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

Wildfire risk around 1832 Cottage Ln is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · above 79% of Missouri
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SENECA PWS serves 2,390 people · EPA ID MO5010733
Water Source	Groundwater
Last State Inspection	May 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rally Networks Fiber	2,000 / 2,000
Lost Creek Wireless Fixed Wireless	100 / 25

May also be available: T-Mobile.

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