385 Clay Ln, Whitewater, MO 63785 Property Records

Cape Girardeau County property record for 385 Clay Ln, Whitewater, MO 63785

Property Summary

Property Type	Rural Home
Details	3 bd · 3.5 ba · 4,422 sqft · built 2004
Lot Size	12.2 acres (532,739 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Aug 2021)
Tax Bill	$1,859 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`139002600019010000`

Property Details

APN / Parcel Number

Primary APN	`139002600019010000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,422 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	532,739 sqft (12.2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	385 CLAY LN
City	WHITEWATER
State	MO
Zip	63785-6095
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT NW1/4 SE1/4 & PT NE1/4 SW1/4
Legal Range	11E
Legal Township	31S
Legal Section	26
Jurisdiction	CAPE GIRARDEAU MO
Township / Civil Division	KINDER
Census Block Group	4
Census Block	4060
Census Tract	880300

Owner

Source: Cape Girardeau County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	385 CLAY LN, WHITEWATER, MO 63785-6095
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage MONTGOMERY BANK NA
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST MIDWEST BANK
Jan 11, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Prior Sale	Nov 13, 2017 · Amount on Record
Deed Document Number	202111104
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE GIRARDEAU MO
Property Address	385 CLAY LN, WHITEWATER, MO 63785-6095
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201712656
Date	Nov 13, 2017
Instrument	201712656

Lender

Name	MONTGOMERY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAPE GIRARDEAU MO
Recording Date	Aug 16, 2021
Property Address	385 CLAY LN, WHITEWATER, MO 63785-6095
Document Number	0202111104
Map Reference	DOC 2017-12655
Instrument Date	Aug 16, 2021
Instrument	2021-11104
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 CLAY LN, WHITEWATER, MO 63785-6095

Mortgage

Document Number	0202111105
Date	Aug 16, 2021
Instrument	2021-11105

Lender

Name	FIRST MIDWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE GIRARDEAU MO
Property Address	385 CLAY LN, WHITEWATER, MO 63785-6095
Document Number	0000000672
Instrument Date	Jan 11, 2017
Transaction Type	Mortgage
Record Updated	Feb 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	385 CLAY LN WHITEWATER MO 637856095, WHITEWATER, MO 63785-6095

Mortgage

Document Number	0000000672
Date	Jan 19, 2017
Instrument	672

Lender

Name	BANK OF MO
Type	Bank
Address	SCOTT CITY, MO 63780

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 18, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cape Girardeau County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Cape Girardeau County
Unified School District	Jackson R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$38,730 (-) Land $800 Building $37,930	$211,057 (-) Land $4,807 Building $206,250
2025	$1,859.00 (+10.99%)	$38,730 (+4.99%) Land $800 Building $37,930	$211,057 (+4.96%) Land $4,807 Building $206,250
2023	$1,675.00	$36,890 Land $770 Building $36,120	$201,088 Land $4,660 Building $196,428

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 January 19, 2016 · 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	1 in force
Nearby Flood Claims	9 (1993–2017)
Most Recent Claim	Apr 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2008 · 2 claims Severe Storms, Tornadoes And Flooding, May 2002 · 3 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% 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	CAPE GIRARDEAU COUNTY PWSD 2 serves 2,913 people · EPA ID MO4024097
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoSEMO Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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