20 Merganser Ct, Old Monroe, MO 63369 Property Records

Lincoln County property record for 20 Merganser Ct, Old Monroe, MO 63369

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,793 sqft · built 2005
Lot Size	1.54 acres (67,474 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Nov 2018)
Tax Bill	$3,323 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Apr 2022 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`13-80-27-000-000-006.037`

Property Details

APN / Parcel Number

Primary APN	`13-80-27-000-000-006.037`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,793 sqft Living Area
Basement Area	1,793 sqft
Unfinished Basement	1,793 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	67,474 sqft (1.54 acres)
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	20 MERGANSER CT
City	OLD MONROE
State	MO
Zip	63369-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 37 AMENDED MALLARD POINTE PLAT 1
Legal Range	02E
Legal Township	49N
Legal Section	27
Legal Subdivision	AMENDED MALLARD POINTE
Legal Lot Number	37
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2018
Census Tract	810402

Owner

Source: Lincoln County records, as of September 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Nov 28, 2005	Deed of Trust, Mortgage · ARM FREMONT INVESTMENT & LOAN
Jan 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 18, 2008	Deed of Trust, Mortgage · Conventional Mortgage COLDWELL BANKER HOME LOANS
Apr 17, 2006	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST BANK CENTRE
Nov 28, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LMC GROUP LLC
Feb 17, 2005	Deed of Trust, Mortgage · Conventional Mortgage FRONTENAC BANK
Dec 18, 2025	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Nov 26, 2018	Intrafamily Transfer, Transfer · ARM COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2018 · Amount on Record
Deed Sale	Nov 26, 2018 · Amount on Record
Prior Sale	May 29, 2013 · Amount on Record
Deed Document Number	201810565
Deed Book / Page	2429 / 152
Prior Transfer Date	Oct 11, 2007
Prior Transfer Doc	1980/0845
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02441/0888
Date	Dec 30, 2019
Book Page	2441/0888
Instrument	2019011804

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2039

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002478/782
Date	Apr 27, 2022
Book Page	2478/782
Instrument	2022004520

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01809/0751
Date	Nov 28, 2005
Book Page	1809/0751
Instrument	20050015755

Lender

Name	FREMONT INVESTMENT & LOAN
Type	Subprime Lender
Address	82821

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	10.7%
Type Change Date	Dec 1, 2007
Change Frequency	6 Months
Min Rate At Change	10.7%
Max Rate At Change	12.7%
Index	6-Month LIBOR
Max Rate	16.7%

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217

Mortgage

Document Number	002506/635
Date	Jan 7, 2025
Book Page	2506/635
Instrument	2025000079

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01998/0454
Date	Jan 18, 2008
Book Page	1998/0454
Instrument	20080000631

Lender

Name	COLDWELL BANKER HOME LOANS
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2038

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01846/0748
Date	Apr 17, 2006
Book Page	1846/0748
Instrument	20060004704

Lender

Name	MIDWEST BANK CENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01809/0794
Date	Nov 28, 2005
Book Page	1809/0794
Instrument	20050015757

Lender

Name	LMC GROUP LLC
Address	63306

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01731/0590
Date	Feb 17, 2005
Book Page	1731/0590
Instrument	20050002052

Lender

Name	FRONTENAC BANK
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 18, 2025
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Document Number	002516/790
Book / Page	2516 / 790
Map Reference	MB 14 PG 5
Instrument Date	Dec 10, 2025
Instrument	2025010364
Transaction Type	Transfer
Record Updated	Feb 12, 2026
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12622 SHEPHERD DR, FLORISSANT, MO 63033-4041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217

Mortgage

Document Number	2025010365
Date	Dec 18, 2025
Instrument	2025010365

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 4, 2056

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Nov 26, 2018
Property Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217
Document Number	2429/0152
Book / Page	2429 / 0152
Map Reference	MB 14 PG 5-10
Instrument Date	Nov 13, 2018
Instrument	2018010565
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 808 AFSHARI CIRCLE, 14, FLORISSANT, MO 63034

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 MERGANSER CT, OLD MONROE, MO 63369-3217

Mortgage

Document Number	2018010566
Date	Nov 26, 2018
Instrument	2018010566

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Winfield R-IV School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,086 (+19.09%) Land $7,790 Building $61,296
2025	$3,323.00 (+10.84%)	$58,013 (+11.31%) Land $7,790 Building $50,223	$363,610 (+32.55%) Land $41,000 Building $322,610
2023	$2,998.00 (+5.41%)	$52,119 Land $5,890 Building $46,229	$274,310 Land $31,000 Building $243,310
2022	$2,844.00

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

Source: FEMA National Flood Hazard Layer, effective October 5, 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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	Low lower than 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
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.

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)
Gateway Fiber Fiber	2,000 / 2,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Systec Wireless Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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