23945 Merl Rd, Greentop, MO 63546 Property Records

Adair County property record for 23945 Merl Rd, Greentop, MO 63546

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 3,672 sqft · built 1981
Lot Size	43.9 acres (1,912,284 sqft)
Owner	Individual Name on Record
Tax Bill	$1,440 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-04.0-20-000-00-10.000`

Property Details

APN / Parcel Number

Primary APN	`03-04.0-20-000-00-10.000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,672 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Architectural Style	Other
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Asphalt
Lot Area	1,912,284 sqft (43.9 acres)
Garage Type	Mixed
Parking Spaces	5 Parking Spaces
Pool Type	Indoor Pool
Granary	1,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	23945 MERL RD
City	GREENTOP
State	MO
Zip	63546-2630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF THE NE1/4 SE1/4 LY SOUTH & EAST OF RD & PART OF THE SE1/4 NE1/4 LY SOUTH OF RD - ADAIR COUNTY MO. S20-T64-R15 (CO RD
Legal Subdivision	RURAL
Jurisdiction	ADAIR MO
Township / Civil Division	POLK
Census Block Group	1
Census Block	1019
Census Tract	950100

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	23945 MERL RD, GREENTOP, MO 63546-2630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage · ARM MISSOURI ELECTRIC COOPERATIVES
Aug 9, 2017	Deed, Transfer · Conventional Mortgage PUTNAM COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2017
Deed Sale	Aug 9, 2017
Deed Document Number	201700001796
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR MO
Property Address	23945 MERL RD, GREENTOP, MO 63546-2630
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1093/550
Date	Jun 1, 2020
Book Page	1093/550
Instrument	202000001274

Lender

Name	MISSOURI ELECTRIC COOPERATIVES
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5%
Index	Other

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAIR MO
Recording Date	Aug 9, 2017
Property Address	23945 MERL RD, GREENTOP, MO 63546-2630
Document Number	201700001796
Instrument Date	Aug 8, 2017
Instrument	201700001796
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	23945 MERL RD, GREENTOP, MO 63546-2630

Mortgage

Document Number	201700001797
Date	Aug 9, 2017
Instrument	201700001797

Lender

Name	PUTNAM COUNTY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,440.00 (+9.01%)	$26,690 (-37.68%) Land $1,080 Building $25,610	$145,070 (-36.99%) Land $8,060 Building $137,010
2023	$1,321.00	$42,830 Land $4,140 Building $38,690	$230,250 (-) Land $23,990 Building $206,260
2022			$230,250 Land $23,990 Building $206,260

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 February 14, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 55% of the US · above 82% of Missouri
Wildfire Likelihood	0.1% 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	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 2 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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