20904 E Cedar Ridge Rd, Cleveland, MO 64734 Property Records

Cass County property record for 20904 E Cedar Ridge Rd, Cleveland, MO 64734

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,794 sqft · built 1980
Lot Size	4.5 acres (196,020 sqft)
Owner	2 Company Names on Record
Tax Bill	$6,404 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-02-04-000-000-024.000`

Property Details

APN / Parcel Number

Primary APN	`06-02-04-000-000-024.000`
Alternative APN	`2521500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,794 sqft Living Area
Gross Area	2,494 sqft
1st Floor Area	1,247 sqft
Basement Area	1,247 sqft
Finished Basement	547 sqft
Unfinished Basement	700 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	A-Frame
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	196,020 sqft (4.5 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2521500
Street Address	20904 E CEDAR RIDGE RD
City	CLEVELAND
State	MO
Zip	64734-9245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLOVER HILLS 3RD ADD LOT 35
Legal Range	33
Legal Township	45
Legal Section	04
Legal Subdivision	CLOVER HILLS
Legal Lot Number	35
Jurisdiction	CASS MO
Township / Civil Division	UNION
Census Block Group	3
Census Block	3055
Census Tract	61001

Owner

Source: Cass County records, as of November 19, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	20904 E CEDAR RIDGE RD, CLEVELAND, MO 64734-9245
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jan 4, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 8, 2024
Transfer Doc	0005106/25
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	20904 E CEDAR RIDGE RD, CLEVELAND, MO 64734-9245
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20904 E CEDAR RIDGE RD, CLEVELAND, MO 64734-9245

Mortgage

Document Number	0004918/31
Date	Dec 5, 2022
Book Page	4918/31
Instrument	727117

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	20904 E CEDAR RIDGE RD, CLEVELAND, MO 64734-9245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4084/106
Date	Jan 4, 2017
Book Page	4084/106
Instrument	598065

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 16, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	20904 E CEDAR RIDGE RD, CLEVELAND, MO 64734-9245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20904 E CEDAR RIDGE RD, CLEVELAND, MO 64734-9245

Mortgage

Document Number	4594/58
Date	Nov 24, 2020
Book Page	4594/58
Instrument	678364

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	20904 E CEDAR RIDGE RD, CLEVELAND, MO 64734-9245
Transaction Type	Mortgage
Record Updated	Jan 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 618893
Date	Dec 28, 2017
Book Page	4205/044
Instrument	618893

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

Source: Cass County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Cass County
Unified School District	Belton 124 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,404.00 (+225.57%)	$33,710 (+13.39%) Land $6,830 Building $26,880	$177,460 (+13.39%) Land $35,970 Building $141,490
2024	$1,967.00 (+0.41%)
2023	$1,959.00 (+3,897.96%)	$29,730 (+14.57%) Land $6,210 Building $23,520	$156,510 (+14.6%) Land $32,700 Building $123,810
2022	$49.00	$25,950 Land $6,210 Building $19,740
2021			$136,570 Land $32,700 Building $103,870

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 October 8, 2026 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2008–2017)
Most Recent Claim	Aug 2017 · rainfall accumulation

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 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.03% 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	CASS COUNTY PWSD 2 serves 4,650 people · EPA ID MO1024114
Water Source	Purchased surface water from KANSAS CITY PWS
Last State Inspection	Dec 2023
Lead	5 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: GoBrolly, Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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