225 Cottonwood Rd, Arnold, MO 63010 Property Records

Jefferson County property record for 225 Cottonwood Rd, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,534 sqft · built 1983
Lot Size	3.01 acres (131,551 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (May 2001)
Tax Bill	$2,073 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`027.035.00000061`

Property Details

APN / Parcel Number

Primary APN	`027.035.00000061`
Alternative APN	`0270350 061`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,534 sqft Living Area
Gross Area	2,216 sqft
1st Floor Area	1,534 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Frame
Lot Area	131,551 sqft
Garage Type	Attached
Garage Area	682 sqft
Porch	Open Frame Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	225 COTTONWOOD RD
City	ARNOLD
State	MO
Zip	63010-3546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	COTTONWOOD LOT 12
Legal Range	5E
Legal Township	43N
Legal Section	35
Legal Subdivision	COTTONWOOD
Legal Block	2
Legal Lot Number	12
Jurisdiction	JEFFERSON MO
Township / Civil Division	WINDSOR
Census Block Group	2
Census Block	2009
Census Tract	700113

Owner

Source: Jefferson County records, as of August 25, 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	225 COTTONWOOD RD, ARNOLD, MO 63010-3546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Deed of Trust, Mortgage FIRST ST CMNTY BK
Jun 7, 2017	Deed of Trust, Mortgage · Line of Credit COMMERCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2001 · Amount on Record
Deed Sale	May 2, 2001 · Amount on Record
Deed Book / Page	1072 / 2394
Last Transfer Date	Jun 25, 2020
Transfer Doc	2020R023426
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	225 COTTONWOOD RD, ARNOLD, MO 63010-3546
Document Number	0000023575
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	HILLSBORO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 COTTONWOOD RD ARNOLD MO 630103546, ARNOLD, MO 63010-3546

Mortgage

Document Number	0000023575
Date	Jul 6, 2020
Instrument	23575

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	FARMINGTON, MO 63640

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2035

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	225 COTTONWOOD RD, ARNOLD, MO 63010-3546
Document Number	0000019189
Instrument Date	Jun 7, 2017
Transaction Type	Mortgage
Record Updated	Jun 28, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 COTTONWOOD RD ARNOLD MO 630103546, ARNOLD, MO 63010-3546

Mortgage

Document Number	0000019189
Date	Jun 22, 2017
Instrument	19189

Lender

Name	COMMERCE BK
Type	Bank
Address	ARNOLD, MO 63010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,000 (-) Land $4,500 Building $25,500	$158,100 (-) Land $23,900 Building $134,200
2025	$2,073.00 (+4.91%)	$30,000 (+8.3%) Land $4,500 Building $25,500	$158,100 (-) Land $23,900 Building $134,200
2024	$1,976.00 (+0.56%)		$158,100 (+8.36%) Land $23,900 Building $134,200
2023	$1,965.00	$27,700 Land $4,500 Building $23,200	$145,900 Land $23,900 Building $122,000

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 2, 2025 · 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	1 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 80% of the US · lower than 84% 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	JEFFERSON CO CONS PWSD C 1 serves 37,000 people · EPA ID MO6024295
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Aug 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wisper ISP.

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