3897 Madison 208, Fredericktown, MO 63645 Property Records

Madison County property record for 3897 Madison 208, Fredericktown, MO 63645

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,890 sqft · built 1999
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$287,494 (Oct 2026)
Tax Bill	$1,291 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-4.1-17-000-000-011.004`

Property Details

APN / Parcel Number

Primary APN	`08-4.1-17-000-000-011.004`
Alternative APN	`9639`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3897 MADISON 208
City	FREDERICKTOWN
State	MO
Zip	63645-8472
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE
Legal Range	08
Legal Township	33
Legal Section	17
Jurisdiction	MADISON MO
Township / Civil Division	CASTOR
Census Block Group	3
Census Block	3039
Census Tract	960100

Owner

3897 Madison 208 is owned and occupied by two individuals who bought it in October 2026.

Source: Madison County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3897 MADISON 208, FREDERICKTOWN, MO 63645-8472
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Feb 16, 2017	Deed of Trust, Mortgage FIRST STATE COMMUNITY BANK
Dec 16, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Mar 28, 2019	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Deed Document Number	20261647
Deed Book / Page	592 / 501
Prior Transfer Date	Mar 22, 2004
Prior Transfer Doc	00347/0695
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MO
Recording Date	Oct 1, 2026
Property Address	3897 MADISON 208, FREDERICKTOWN, MO 63645-8472
Document Number	0000001647
Book / Page	592 / 501
Instrument Date	Sep 22, 2026
Instrument	20261647
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3897 MADISON 208, FREDERICKTOWN, MO 63645-8472

Mortgage

Document Number	0000001648,
Date	Oct 1, 2026
Instrument	20261648

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	3897 MADISON 208, FREDERICKTOWN, MO 63645-8472
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	482/0743
Date	Feb 16, 2017
Book Page	482/0743

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank
Address	FREDERICKTOWN, MO 63645

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	3897 MADISON 208, FREDERICKTOWN, MO 63645-8472
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	523/384
Date	Dec 16, 2020
Book Page	523/384
Instrument	2020002070

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	3897 MADISON 208, FREDERICKTOWN, MO 63645-8472
Transaction Type	Mortgage
Record Updated	Apr 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	504/152
Date	Mar 28, 2019
Book Page	504/152
Instrument	2017004458

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3897 Madison 208 was $1,291.

Source: Madison County assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Madison County
Unified School District	Fredericktown R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,291.00	$22,600	$118,950 Land $8,900 Building $110,050
2023		$22,600	$118,950 Land $8,900 Building $110,050

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

Flood

FEMA maps place 3897 Madison 208 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 2, 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	1 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.

Wildfire

Wildfire risk around 3897 Madison 208 is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.05% 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	MADISON COUNTY PWSD 1 NORTH AND SOUTH serves 1,705 people · EPA ID MO4024368
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 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	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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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