194 Cedar St, Camdenton, MO 65020 Property Records

Camden County property record for 194 Cedar St, Camdenton, MO 65020

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,507 sqft · built 1977
Lot Size	0.262 acres (11,413 sqft)
Owner	2 Individual Names on Record
Tax Bill	$689 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13 7.0 25.0 001.0 058 003.000`

Property Details

APN / Parcel Number

Primary APN	`13 7.0 25.0 001.0 058 003.000`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	4,507 sqft Gross Area
Basement Area	1,766 sqft

Exterior

Year Built	Built 1977
Construction Type	Frame
Lot Area	11,413 sqft (0.262 acres)
Lot Dimensions	190 ft deep x 60 ft wide
Garage Area	975 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	194 CEDAR ST
City	CAMDENTON
State	MO
Zip	65020-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 60' PT LOTS 6-7 BLK 18
Legal Subdivision	CAMDENTON ORIG TOWN
Legal Block	18
Legal Lot Number	6-7
Jurisdiction	CAMDEN MO
Township / Civil Division	KIHEKA
Census Block Group	2
Census Block	2004
Census Tract	950500

Owner

Source: Camden County records, as of November 7, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	194 CEDAR ST, CAMDENTON, MO 65020-6936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Aug 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Aug 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF LAKE OF THE OZARKS

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000336712
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN MO
Property Address	194 CEDAR ST, CAMDENTON, MO 65020-6936
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	LAKE BUENA VISTA LAND TITLE COMPANY, LAKE OF OZARKS LAND TTL CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 CEDAR ST, CAMDENTON, MO 65020-6936

Mortgage

Document Number	000357/789
Date	Dec 15, 2025
Book Page	357/789

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 15, 2045

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	12.2%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN MO
Property Address	194 CEDAR ST, CAMDENTON, MO 65020-6936
Transaction Type	Mortgage
Record Updated	Sep 6, 2023
Title Company	OZARK LAND TITLE COMPANY, OZARKS LAND TITLE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 CEDAR ST, CAMDENTON, MO 65020-6936

Mortgage

Document Number	000349/662
Date	Aug 23, 2023
Book Page	349/662

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 23, 2043

Interest

Rate Type	Adjustable Rate
Rate	9%
Type Change Date	Aug 23, 2028
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	11%
Index	1-Year T-Bill
Max Rate	14%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN MO
Property Address	194 CEDAR ST, CAMDENTON, MO 65020-6936
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 CEDAR ST, CAMDENTON, MO 65020-6936

Mortgage

Document Number	000349/533
Date	Aug 10, 2023
Book Page	349/533

Lender

Name	CENTRAL BANK OF LAKE OF THE OZARKS
Type	Bank
Address	OSAGE BEACH, MO 65065

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Oct 1, 2028

Tax Assessment & Valuation

Source: Camden County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Camden County
Municipality	Camdenton City
Unified School District	Camdenton R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$689.00 (+2.38%)	$18,200 (-)	$95,789 (-)
2023		$18,200 (-)	$95,789 (-)
2022	$673.00	$18,200	$95,789

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 April 17, 2018 · 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	3 in force

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 51% of the US · above 72% of Missouri
Wildfire Likelihood	0.1% 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	J BAR H ESTATES private · serves 40 people · EPA ID MO5031601
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Co-Mo Connect Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Splash Wireless Internet Fixed Wireless	200 / 25
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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