403 W Cedar St, Waverly, MO 64096 Property Records

Lafayette County property record for 403 W Cedar St, Waverly, MO 64096 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,256 sqft · built 1956
Lot Size	0.179 acres (7,802 sqft)
Owner	2 Individual Names on File
Tax Bill	$524 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-5.0-22-1-000-006.000`

Property Details

APN / Parcel Number

Primary APN	`06-5.0-22-1-000-006.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,256 sqft Living Area
Basement Area	628 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,802 sqft (0.179 acres)
Lot Dimensions	150 ft deep x 52 ft wide
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	403 W CEDAR ST
City	WAVERLY
State	MO
Zip	64096-8175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT BLK 47 ST THOMAS ADDN; 652-899, 708-528, 851-735, 2024DR2361
Legal Range	24
Legal Township	51
Legal Section	22
Legal Subdivision	ST THOMAS ADDN
Legal Block	47
Jurisdiction	LAFAYETTE MO
Township / Civil Division	MIDDLETON
Census Block Group	2
Census Block	2054
Census Tract	90300

Owner

Source: Lafayette County records · APN 06-5.0-22-1-000-006.000

Assessment roll updated October 28, 2025 · Last verified June 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 File
Mailing Address	403 W CEDAR ST, WAVERLY, MO 64096-8175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · FHA Mortgage THE CENTRAL TRUST BANK
Mar 19, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MARSHALL
Jul 10, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 17, 2026
Deed Sale	Feb 17, 2026
Prior Sale	Jul 10, 2024
Deed Document Number	2026580
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	403 W CEDAR ST, WAVERLY, MO 64096-8175
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2026DR0688
Date	Feb 23, 2026
Instrument	2026DR0688

Lender

Name	THE CENTRAL TRUST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	403 W CEDAR ST, WAVERLY, MO 64096-8175
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2025DR0875
Date	Mar 19, 2025
Instrument	2025DR0875

Lender

Name	COMMUNITY BANK OF MARSHALL
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Jul 10, 2024
Property Address	403 W CEDAR ST, WAVERLY, MO 64096-8175
Document Number	2024DR2361
Map Reference	MB 2 PG 13
Instrument Date	Jul 09, 2024
Instrument	2024DR2361
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20997 BALTIMORE BEND RD, WAVERLY, MO 64096-9124
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Lafayette County records · Assessment roll updated October 28, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lafayette County
Municipality	Waverly City
Unified School District	Santa Fe R-X School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$524.00	$7,074 (+13.97%)	$37,230 (+13.97%) Land $3,730 Building $33,500
2023		$6,207	$32,666 Land $3,276 Building $29,390

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lafayette County (29107C), updated November 26, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 15% of Missouri
Wildfire Likelihood	About 1 in 4,167 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 187 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Brightspeed	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
Green Hills Telephone	Cable	250 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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