Cole County property record for 3909 Rustic Ln, Jefferson City, MO 65109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,618 sqft · built 1982 |
| Lot Size | 1.41 acres (61,681 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,400 (Jun 2026) |
| Tax Bill | $2,247 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-08-34-0003-001-041 |
| Primary APN | 10-08-34-0003-001-041 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,618 sqft Living Area |
| 1st Floor Area | 1,618 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 1,618 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 61,681 sqft (1.41 acres) |
| Lot Dimensions | 290 ft deep x 77.4 ft wide |
| Garage Type | Basement |
| Garage Area | 1,280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3909 RUSTIC LN |
|---|---|
| City | JEFFERSON CITY |
| State | MO |
| Zip | 65109-9148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUSTIC OAKS LOT 30 |
| Legal Range | 12W |
| Legal Township | 44N |
| Legal Section | 34 |
| Legal Subdivision | RUSTIC OAKS |
| Legal Lot Number | 30 |
| Jurisdiction | COLE MO |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 20400 |
3909 Rustic Ln is owned and occupied by two individuals who bought it in June 2026.
Source: Cole County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3909 RUSTIC LN, JEFFERSON CITY, MO 65109-9148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage MIDWESTERN TITLE, MIDWEST TITLE |
| Mar 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage THE CENTRAL TRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on File |
| Deed Sale | Jun 15, 2026 · Amount on File |
| Deed Document Number | 20265285 |
| Deed Book / Page | 781 / 272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLE MO |
| Recording Date | Jun 15, 2026 |
| Property Address | 3909 RUSTIC LN, JEFFERSON CITY, MO 65109-9148 |
| Document Number | 0000005285 |
| Book / Page | 781 / 272 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20265285 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | MIDWESTERN TITLE, MIDWEST TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3909 RUSTIC LN, JEFFERSON CITY, MO 65109-9148 |
| Document Number | 0000005286, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 20265286 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLE MO |
| Property Address | 3909 RUSTIC LN, JEFFERSON CITY, MO 65109-9148 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000777/902 |
|---|---|
| Date | Mar 2, 2026 |
| Book Page | 777/902 |
| Instrument | 202601684 |
| Name | THE CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3909 Rustic Ln was $2,247.
Source: Cole County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Cole County |
| Unified School District | Jefferson City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $37,580 (-) Land $3,040 Building $34,540 | ||
| 2025 | $2,247.00 | $37,580 Land $3,040 Building $34,540 | $197,800 Land $16,000 Building $181,800 |
| 2023 | $33,610 Building $33,610 | $176,900 Land $16,000 Building $160,900 | |
| 2022 | $2,015.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3909 Rustic Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1990.
Source: FEMA National Flood Hazard Layer, effective November 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 |
| Nearby Flood Claims | 8 (1990–2017) |
| Claims Outside the SFHA | 8 of 8 |
| Most Recent Claim | May 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding |
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 risk around 3909 Rustic Ln is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 55% of Missouri |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COLE COUNTY PWSD 2 serves 13,107 people · EPA ID MO3024160 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 9 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 500 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| FireServe Fixed Wireless · not low latency | 100 / 50 |
| Mediacom Xtream Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Wisper ISP.
5G (outdoors only) and 4G LTE
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