320 W Main St, Cleveland, MO 64734 Property Records

Cass County property record for 320 W Main St, Cleveland, MO 64734

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,472 sqft · built 1920
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Tax Bill	$3,931 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-32-104-000-023.000`

Property Details

APN / Parcel Number

Primary APN	`06-09-32-104-000-023.000`
Alternative APN	`2599300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,472 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	264 ft deep x 109 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Deck Area	384 sqft
Patio Area	384 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	2599300
Street Address	320 W MAIN ST
City	CLEVELAND
State	MO
Zip	64734-9094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLEVELAND 455'E SW COR SE NE;E&W100'XN&S295'
Legal Range	33
Legal Township	45
Legal Section	32
Legal Subdivision	CLEVELAND
Jurisdiction	CASS MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2032
Census Tract	61001

Owner

Source: Cass County records, as of December 1, 2025

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	320 W MAIN ST APT B, B, CLEVELAND, MO 64734-8700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS SAVINGS BANK & TRUST CO
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	320 W MAIN ST, CLEVELAND, MO 64734-9094
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W MAIN ST, CLEVELAND, MO 64734-9094

Mortgage

Document Number	0005229/93
Date	Oct 22, 2025
Book Page	5229/93
Instrument	774462

Lender

Name	CITIZENS SAVINGS BANK & TRUST CO
Type	Bank
Address	WOODBINE, KS 67492

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	320 W MAIN ST, CLEVELAND, MO 64734-9094
Transaction Type	Mortgage
Record Updated	Mar 29, 2022
Title Company	TITLE SMART INC, TITLESMART INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004831/126
Date	Mar 16, 2022
Book Page	4831/126
Instrument	712867

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	320 W MAIN ST, CLEVELAND, MO 64734-9094
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24409 E HORSE SHOE BND, CLEVELAND, MO 64734-8034

Mortgage

Document Number	4312/034
Date	Nov 29, 2018
Book Page	4312/034
Instrument	636937

Lender

Name	CITIZENS BANK
Type	Bank
Address	CLEVELAND, MO 64734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Cass County
Municipality	Cleveland City
Unified School District	Midway R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,931.00 (+199.85%)	$20,690 (+14.31%) Land $2,640 Building $18,050	$108,900 (+14.28%) Land $13,910 Building $94,990
2023	$1,311.00 (+4,27%)	$18,100 (+14.56%) Land $2,400 Building $15,700	$95,290 (+14.57%) Land $12,640 Building $82,650
2022	$30.00	$15,800 Land $2,400 Building $13,400
2021			$83,170 Land $12,640 Building $70,530

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 October 8, 2026 · 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	2 in force
Nearby Flood Claims	10 (1982–2017)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Aug 2017 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jun 2008 · 2 claims

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% 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	CLEVELAND PWS serves 690 people · EPA ID MO1010174
Water Source	Purchased surface water from CASS COUNTY PWSD 2
Last State Inspection	Jan 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024 Haloacetic acids resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: GoBrolly.

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