23212 Merl Rd, Greentop, MO 63546 Property Records

Adair County property record for 23212 Merl Rd, Greentop, MO 63546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 1920
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,243 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-04.0-20-000-00-05.000`

Property Details

APN / Parcel Number

Primary APN	`03-04.0-20-000-00-05.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
Basement Area	1,013 sqft
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	23212 MERL RD
City	GREENTOP
State	MO
Zip	63546-2628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW1/4 NW1/4 LYING N OF CO RD - ADAIR COUNTY MO. S20-T64-R15
Legal Subdivision	RURAL
Jurisdiction	ADAIR MO
Township / Civil Division	POLK
Census Block Group	1
Census Block	1019
Census Tract	950100

Owner

23212 Merl Rd is owned and occupied by two individuals who acquired it in November 2021.

Source: Adair County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23212 MERL RD, GREENTOP, MO 63546-2628
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS BANK NORTHER MISSOURI
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS BANK NORTHER MISSOURI
Jul 17, 2017	Deed, Transfer · Conventional Mortgage AMERICAN TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2021
Deed Sale	Nov 4, 2021
Deed Document Number	0001126481
Prior Transfer Date	Jul 17, 2017
Prior Transfer Doc	201700001584
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR MO
Property Address	23212 MERL RD, GREENTOP, MO 63546-2628
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001133/543
Date	Apr 6, 2022
Book Page	1133/543
Instrument	202200000879

Lender

Name	FARMERS BANK NORTHER MISSOURI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR MO
Property Address	23212 MERL RD, GREENTOP, MO 63546-2628
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1126/483
Date	Nov 5, 2021
Book Page	1126/483
Instrument	202100003506

Lender

Name	FARMERS BANK NORTHER MISSOURI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAIR MO
Recording Date	Jul 17, 2017
Property Address	23212 MERL RD, GREENTOP, MO 63546-2628
Document Number	201700001584
Instrument Date	Jul 14, 2017
Instrument	201700001584
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23212 MERL RD, GREENTOP, MO 63546-2628

Mortgage

Document Number	201700001585
Date	Jul 17, 2017
Instrument	201700001585

Lender

Name	AMERICAN TRUST & SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 23212 Merl Rd was $1,243.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Adair County
Unified School District	Kirksville R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,243.00	$23,040 Land $3,140 Building $19,900	$121,540 Land $16,500 Building $105,040
2023	$1,134.00	$20,950 Land $2,850 Building $18,100	$110,570 (-) Land $15,000 Building $95,570
2022			$110,570 Land $15,000 Building $95,570

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 23212 Merl Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 23212 Merl Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · above 74% of Missouri
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ADAIR COUNTY PWSD 1 serves 7,500 people · EPA ID MO2024000
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	2 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mark Twain Communications Company Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Merl Rd

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