3991 Co Rd 1645, Cairo, MO 65239 Property Records

Randolph County property record for 3991 Co Rd 1645, Cairo, MO 65239

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,372 sqft · built 2006
Lot Size	15 acres (653,836 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,624 (2025)
Deeds & Mortgages	Aug 2025 Refinance Apr 2010 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`02-5.0-21.0-0.0-000-001.002`

Property Details

APN / Parcel Number

Primary APN	`02-5.0-21.0-0.0-000-001.002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,372 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	653,836 sqft (15 acres)
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3991 COUNTY ROAD 1645
City	CAIRO
State	MO
Zip	65239-2035
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	THAT PART OF SW1/4-NE1/4 DESC AS: BEG AT SW COR OF SW1/4 OF NE1/4, TH N 902.50', TH SWLY 1202.31' TO CENTER OF CO RD, TH SWLY
Legal Range	14W
Legal Township	55N
Legal Section	21
Legal Subdivision	S21, T55, R14
Jurisdiction	RANDOLPH MO
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1090
Census Tract	490100

Owner

Source: Randolph County records, as of October 8, 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	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance REGIONAL MISSOURI BANK
Apr 30, 2010	Deed of Trust, Mortgage BANK OF CAIRO AND MOBERLY
May 17, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance REGIONAL MISSOURI BANK
Dec 6, 2006	Deed of Trust, Mortgage BANK OF CAIRO AND MOBERLY
Mar 24, 2026	Warranty Deed, Transfer
Nov 14, 2022	Deed, Transfer
Nov 14, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH MO
Property Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00956/3316
Date	Aug 29, 2025
Book Page	956/3316
Instrument	20253039

Lender

Name	REGIONAL MISSOURI BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2035

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH MO
Property Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035

Mortgage

Document Number	000733/907
Date	Apr 30, 2010
Book Page	733/907
Instrument	20101146

Lender

Name	BANK OF CAIRO AND MOBERLY
Address	207 E ROLLINS ST, MOBERLY, MO 65270

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 1, 2030

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH MO
Property Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000948/518
Date	May 17, 2024
Book Page	948/518
Instrument	20241421

Lender

Name	REGIONAL MISSOURI BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2034

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH MO
Property Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035

Mortgage

Document Number	000655/702
Date	Dec 6, 2006
Book Page	655/702
Instrument	20065052

Lender

Name	BANK OF CAIRO AND MOBERLY
Address	207 E ROLLINS ST, MOBERLY, MO 65270

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2036

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH MO
Recording Date	Mar 24, 2026
Property Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035
Document Number	00960/3369
Book / Page	960 / 3369
Instrument Date	Mar 20, 2026
Instrument	20260905
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	RANDOLPH MO
Recording Date	Nov 14, 2022
Property Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035
Document Number	00939/1954
Book / Page	939 / 1954
Instrument Date	Oct 27, 2022
Instrument	20224152
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	RANDOLPH MO
Recording Date	Nov 14, 2022
Property Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035
Document Number	00939/1949
Book / Page	939 / 1949
Instrument Date	Oct 26, 2022
Instrument	20224150
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 COUNTY ROAD 1645, CAIRO, MO 65239-2035

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of October 8, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Randolph County
Unified School District	Northeast Randolph County R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,570 (-) Land $1,991 Building $25,579	$145,820 (-) Land $10,530 Building $135,290
2025	$1,624.00 (+12.31%)	$27,570 (+6.86%) Land $1,991 Building $25,579	$145,820 (+6.83%) Land $10,530 Building $135,290
2023		$25,800 Land $1,779 Building $24,021	$136,500 Land $9,410 Building $127,090
2019	$1,446.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 30, 2020 · 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	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · rainfall accumulation

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	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.07% 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	MACON CO PWSD 1 serves 12,865 people · EPA ID MO2024363
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	7 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Chariton Valley Communication Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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