3405 State Rte Y, Cleveland, MO 64734 Property Records

Cass County property record for 3405 State Rte Y, Cleveland, MO 64734

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,018 sqft · built 1981
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,238 (May 2024)
Tax Bill	$9,131 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-08-34-000-000-006.000`

Property Details

APN / Parcel Number

Primary APN	`06-08-34-000-000-006.000`
Alternative APN	`2581700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,018 sqft Living Area
Gross Area	2,616 sqft
1st Floor Area	2,018 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Underground/Berm
Exterior Material	Concrete
Construction Type	Adobe
Roof Type	Hip
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	25 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	2581700
Street Address	3405 STATE ROUTE Y
City	CLEVELAND
State	MO
Zip	64734-8159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAFFOON ACRES LOT 3
Legal Range	33
Legal Township	45
Legal Section	34
Legal Subdivision	LAFFOON ACRES
Legal Lot Number	3
Jurisdiction	CASS MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1050
Census Tract	61001

Owner

Source: Cass County records, as of November 19, 2025

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	3405 STATE ROUTE Y, CLEVELAND, MO 64734-8159
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2019	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Jan 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Deed Document Number	2024748834
Deed Book / Page	5052 / 112
Prior Transfer Date	Mar 1, 2006
Prior Transfer Doc	002777/542
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	3405 STATE ROUTE Y, CLEVELAND, MO 64734-8159
Transaction Type	Mortgage
Record Updated	Apr 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4336/087
Date	Mar 1, 2019
Book Page	4336/087
Instrument	640989

Lender

Name	ARVEST BANK
Type	Bank
Address	BELTON, MO 64012

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 29, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	3405 STATE ROUTE Y, CLEVELAND, MO 64734-8159
Transaction Type	Mortgage
Record Updated	Mar 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4212/068
Date	Jan 23, 2018
Book Page	4212/068
Instrument	620065

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Cass County assessment roll, as of November 19, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,131.00 (+214.86%)	$48,060 (+13.27%) Land $4,220 Building $43,840	$252,940 (+13.27%) Land $22,210 Building $230,730
2024	$2,900.00 (+0.31%)
2023	$2,891.00 (+3,971.83%)	$42,430 (+12.79%) Land $3,840 Building $38,590	$223,300 (+12.78%) Land $20,190 Building $203,110
2022	$71.00	$37,620 Land $3,840 Building $33,780
2021			$197,990 Land $20,190 Building $177,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	7 (1984–2008)
Most Recent Claim	Jun 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2004 · 2 claims Severe Storms & Flooding, Sep 1986 · 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 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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	CASS COUNTY PWSD 7 serves 4,143 people · EPA ID MO1024111
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	3 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 13 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
KC Web Fixed Wireless	200 / 200

May also be available: GoBrolly.

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