Callaway County property record for 3176 State Rd AA, Holts Summit, MO 65043
| Property Type | Rural Home |
|---|---|
| Details | 3 ba · 3,264 sqft · built 1991 |
| Lot Size | 29.4 acres (1,283,278 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $394,450 (Dec 2024) |
| Tax Bill | $2,683 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jul 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-09.0-29.0-00-000-082.000 |
| Primary APN | 24-09.0-29.0-00-000-082.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,264 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Type | Geodesic/Dome |
| Roof Material | Fiberglass |
| Lot Area | 1,283,278 sqft (29.4 acres) |
| Garage Type | Detached |
| Garage Area | 1,600 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Porch |
| Porch Area | 576 sqft |
| Patio Area | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 2409029000000082000 |
|---|---|
| Street Address | 3176 STATE ROAD AA |
| City | HOLTS SUMMIT |
| State | MO |
| Zip | 65043-1203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PT NE SE PT SE NE SOUTH OF ROAD |
| Legal Range | 10W |
| Legal Township | 45N |
| Legal Section | 29 |
| Jurisdiction | CALLAWAY MO |
| Township / Civil Division | SUMMIT |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 70702 |
Source: Callaway County records, as of October 7, 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 | 3176 STATE ROAD AA, HOLTS SUMMIT, MO 65043-1203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2026 | Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Jul 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CALLAWAY BANK |
| Dec 10, 2024 | Trustee's Deed, Foreclosure · FHA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 3, 2023 | Deed, Transfer · Stand-Alone First Mortgage COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2024 · Amount on Record |
| Deed Sale | Dec 10, 2024 · Amount on Record |
| Prior Sale | Feb 3, 2023 · Amount on Record |
| Deed Document Number | 20246473 |
| Deed Book / Page | 517 / 168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLAWAY MO |
| Recording Date | Sep 30, 2026 |
| Property Address | 3176 STATE ROAD AA, HOLTS SUMMIT, MO 65043-1203 |
| Document Number | 0000005903 |
| Book / Page | 530 / 394 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 20265903 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 3176 STATE ROAD AA, HOLTS SUMMIT, MO 65043-1203 |
| Document Number | 0000005903, |
|---|---|
| Date | Sep 30, 2026 |
| Book Page | 530/394 |
| Instrument | 20265903 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLAWAY MO |
| Property Address | 3176 STATE ROAD AA, HOLTS SUMMIT, MO 65043-1203 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000501/168 |
|---|---|
| Date | Jul 5, 2022 |
| Book Page | 501/168 |
| Instrument | 202204272 |
| Name | CALLAWAY BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CALLAWAY MO |
| Recording Date | Dec 10, 2024 |
| Property Address | 3176 STATE ROAD AA, HOLTS SUMMIT, MO 65043-1203 |
| Document Number | 000517/168 |
| Book / Page | 517 / 168 |
| Instrument Date | Dec 9, 2024 |
| Instrument | 202406473 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 3, 2026 |
| Title Company | MIDWEST TITLE AND ESCROW INC, MIDWEST TITLE AND ESCROW LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3176 STATE ROAD AA, HOLTS SUMMIT, MO 65043-1203 |
| Document Number | 0202406474 |
|---|---|
| Date | Dec 10, 2024 |
| Instrument | 202406474 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CALLAWAY MO |
| Recording Date | Feb 3, 2023 |
| Property Address | 3176 STATE ROAD AA, HOLTS SUMMIT, MO 65043-1203 |
| Document Number | 0000505/85 |
| Book / Page | 505 / 85 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 202300497 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | MIDWEST TITLE AND ESCROW INC, MIDWEST TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3176 STATE ROAD AA, HOLTS SUMMIT, MO 65043-1203 |
| Document Number | 0202300498 |
|---|---|
| Date | Feb 3, 2023 |
| Instrument | 202300498 |
| Name | COMMERCE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
Source: Callaway County assessment roll, as of January 15, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Callaway County |
| Unified School District | Jefferson City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,683.00 (+32.04%) | $44,134 (+35.35%) | $233,820 (+35.03%) |
| 2024 | $2,032.00 (+0.05%) | $32,608 (-) | $173,160 (-) |
| 2023 | $2,031.00 (+1.45%) | $32,608 (+1.48%) | $173,160 (+1.46%) |
| 2022 | $2,002.00 | $32,133 Land $1,452 Building $30,681 | |
| 2021 | $170,660 Land $9,180 Building $161,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 3 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 67% of Missouri |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALLAWAY COUNTY PWSD 1 serves 9,840 people · EPA ID MO3024084 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Callabyte Fiber | 1,000 / 1,000 |
| Kingdom Networks Fiber | 1,000 / 1,000 |
| FireServe Fixed Wireless · not low latency | 100 / 50 |
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