3703 State Rte Y, Cleveland, MO 64734 Property Records

Cass County property record for 3703 State Rte Y, Cleveland, MO 64734

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,432 sqft · built 1976
Lot Size	9.75 acres (424,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$286,900 (Dec 2014)
Tax Bill	$8,635 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-08-34-000-000-003.000`

Property Details

APN / Parcel Number

Primary APN	`06-08-34-000-000-003.000`
Alternative APN	`2581600`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,432 sqft Living Area
Gross Area	3,416 sqft
1st Floor Area	1,638 sqft
Basement Area	1,638 sqft
Finished Basement	794 sqft
Unfinished Basement	844 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	424,710 sqft (9.75 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	304 sqft
Deck Area	140 sqft
Patio Area	280 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2581600
Street Address	3703 STATE ROUTE Y
City	CLEVELAND
State	MO
Zip	64734-8166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAFFOON ACRES-LOT 2
Legal Subdivision	LAFFOON ACRES
Legal Lot Number	2
Jurisdiction	CASS MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1049
Census Tract	61001

Owner

Source: Cass County records, as of January 16, 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	3703 STATE ROUTE Y, CLEVELAND, MO 64734-8166
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2014 · Amount on Record
Deed Sale	Dec 18, 2014 · Amount on Record
Prior Sale	Nov 12, 2013
Deed Document Number	2014555626
Deed Book / Page	3854 / 59
Prior Transfer Date	Aug 4, 2008
Prior Transfer Doc	0000428166
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	3703 STATE ROUTE Y, CLEVELAND, MO 64734-8166
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3703 STATE ROUTE Y, CLEVELAND, MO 64734-8166

Mortgage

Document Number	004811/160
Date	Jan 24, 2022
Book Page	4811/160
Instrument	709749

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2042

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	$8,635.00 (+214.46%)	$45,450 (+13.14%) Land $8,230 Building $37,220	$239,180 (+13.12%) Land $43,300 Building $195,880
2024	$2,746.00 (+0.33%)
2023	$2,737.00 (+3,985.07%)	$40,170 (+13.7%) Land $7,480 Building $32,690	$211,430 (+13.7%) Land $39,370 Building $172,060
2022	$67.00	$35,330 Land $7,480 Building $27,850
2021			$185,950 Land $39,370 Building $146,580

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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