3930 Rustic Ln, Jefferson City, MO 65109 Property Records

Cole County property record for 3930 Rustic Ln, Jefferson City, MO 65109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,683 sqft · built 1979
Lot Size	0.474 acres (20,647 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,715 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-08-34-0003-002-041`

Property Details

APN / Parcel Number

Primary APN	`10-08-34-0003-002-041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,683 sqft Living Area
1st Floor Area	1,683 sqft
Basement Area	280 sqft
Finished Basement	280 sqft
Unfinished Basement	1,518 sqft
Game Room	Game Room

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	20,647 sqft (0.474 acres)
Lot Dimensions	176 ft deep x 98.9 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3930 RUSTIC LN
City	JEFFERSON CITY
State	MO
Zip	65109-9148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSTIC OAKS LOT 49
Legal Range	12W
Legal Township	44N
Legal Section	34
Legal Subdivision	RUSTIC OAKS
Legal Lot Number	49
Jurisdiction	COLE MO
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3020
Census Tract	20400

Owner

3930 Rustic Ln is owned and occupied by two individuals who acquired it in August 2025.

Source: Cole County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3930 RUSTIC LN, JEFFERSON CITY, MO 65109-9148
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage THE CENTRAL TRUST BANK
Oct 26, 2018	Deed of Trust, Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 21, 2025
Transfer Doc	000772/322
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLE MO
Property Address	3930 RUSTIC LN, JEFFERSON CITY, MO 65109-9148
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000756/231
Date	Jan 23, 2024
Book Page	756/231
Instrument	202400459

Lender

Name	THE CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 16, 2044

Interest

Rate Type	Adjustable Rate
Rate	0.09%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 16, 2031
Change Frequency	Annually
Max Rate At Change	0.03%
Index	1-Year CMT
Max Rate	0.14%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLE MO
Property Address	3930 RUSTIC LN, JEFFERSON CITY, MO 65109-9148
Transaction Type	Mortgage
Record Updated	Nov 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201810021
Date	Oct 26, 2018
Instrument	201810021

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	231 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 3930 Rustic Ln was $1,715, up 11.5% from the year before.

Source: Cole County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Cole County
Unified School District	Jefferson City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$28,690 (-) Land $3,040 Building $25,650
2025	$1,715.00 (+11.51%)	$28,690 Land $3,040 Building $25,650	$151,000 Land $16,000 Building $135,000
2024	$1,538.00
2023		$25,750 Building $25,750	$135,500 Land $16,000 Building $119,500
2022	$1,544.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3930 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

Wildfire risk around 3930 Rustic Ln is moderate, ranking above 47% 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 47% of the US · above 57% 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.

Drinking Water

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

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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