2205 Cardinal Dr, Fulton, MO 65251 Property Records

Callaway County property record for 2205 Cardinal Dr, Fulton, MO 65251

Property Summary

Property Type	Commercial
Details	32,934 sqft · built 2004
Lot Size	1.5 acres (65,340 sqft)
Owner	Company Name on Record
Tax Bill	$44,654 (2025)
Deeds & Mortgages	Jan 2011 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-03.0-06.0-00-000-012.002`

Property Details

APN / Parcel Number

Primary APN	`13-03.0-06.0-00-000-012.002`
Alternative APN	`1303006000000010000`

Interior

Stories	3 Stories
Building Area	32,934 sqft Total Area
Elevator	Elevator

Exterior

Year Built	Built 2004
Exterior Material	EIFS / Synthetic Stucco
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Fence	Fence
Total Buildings	2 Buildings

Location & Zoning

Account Number	1303006000000012002
Street Address	2205 CARDINAL DR
City	FULTON
State	MO
Zip	65251-7254
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PT N 1/2 SE SE
Jurisdiction	CALLAWAY MO
Township / Civil Division	WEST FULTON
Census Block Group	2
Census Block	2007
Census Tract	70400

Owner

Source: Callaway County records, as of January 14, 2026

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	Company Name on Record
Mailing Address	2205 CARDINAL DR, FULTON, MO 65251-7254
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2011	Deed of Trust, Mortgage HAWTHORN BANK
Dec 30, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST CHATHAM BANK
Dec 30, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST CHATHAM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021
Deed Sale	Dec 30, 2021
Deed Document Number	202109705
Deed Book / Page	496 / 935
Record Updated	Jun 8, 2026

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	2205 CARDINAL DR, FULTON, MO 65251-7254
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D0228/0070
Date	Jan 27, 2011
Book Page	D0228/0070
Instrument	0D228-00070

Lender

Name	HAWTHORN BANK
Type	Bank
Address	COLUMBIA, MO 65203

Agreement

Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	2205 CARDINAL DR, FULTON, MO 65251-7254
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000248/199
Date	Dec 30, 2021
Book Page	248/199
Instrument	202109706

Lender

Name	FIRST CHATHAM BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLAWAY MO
Recording Date	Dec 30, 2021
Property Address	2205 CARDINAL DR, FULTON, MO 65251-7254
Document Number	000496/935
Book / Page	496 / 935
Instrument Date	Dec 28, 2021
Instrument	202109705
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 CARDINAL DR, FULTON, MO 65251-7254

Mortgage

Document Number	0202109706
Date	Dec 30, 2021
Instrument	202109706

Lender

Name	FIRST CHATHAM BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Callaway County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Callaway County
Municipality	Fulton City
Unified School District	Fulton 58 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$44,654.00 (+0.39%)	$710,016 (-)	$2,218,800 (-)
2024		$710,016 (-)	$2,218,800 (-)
2023	$44,482.00 (%)	$710,016 (-)	$2,218,800 (-)
2022	$44,483.00 (+7.77%)	$710,016 Land $16,800 Building $693,216
2021			$2,218,800 Land $52,500 Building $2,166,300
2015	$41,277.00

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 September 5, 2012 · 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 Claims	1 (2017)
Most Recent Claim	May 2017 · river or lake flooding

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 65% of the US · lower than 75% 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	FULTON PWS serves 12,600 people · EPA ID MO3010296
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	4 ppb (2022–2024) 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Callabyte Fiber	1,000 / 1,000
FireServe Fixed Wireless · not low latency	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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