Cooper County property record for 405 N Cherry St, Otterville, MO 65348
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1,978 sqft · built 1910 |
| Lot Size | 0.238 acres (10,350 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $990 (2025) |
| Deeds & Mortgages | May 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-2.0-03-002-019-001.000 |
| Primary APN | 23-2.0-03-002-019-001.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,978 sqft Adjusted Area |
| 1st Floor Area | 1,341 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 10,350 sqft (0.238 acres) |
| Lot Dimensions | 115 ft deep x 90 ft wide |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 N CHERRY ST |
|---|---|
| City | OTTERVILLE |
| State | MO |
| Zip | 65348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 & 2, BLK 3, WEAR & SAUNDERS ADDN., 90 X 115, (405 N CHERRY ST ) |
| Legal Range | 19W |
| Legal Township | 45N |
| Legal Section | 03 |
| Legal Subdivision | WEAR & SAUNDERS |
| Legal Block | 3 |
| Legal Lot Number | 1-2 |
| Jurisdiction | COOPER MO |
| Township / Civil Division | OTTERVILLE |
| Census Block Group | 5 |
| Census Block | 5087 |
| Census Tract | 950500 |
Source: Cooper County assessment roll, as of December 16, 2025
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 | PO BOX 122, OTTERVILLE, MO 65348-0122 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOPER MO |
| Property Address | 405 N CHERRY ST, OTTERVILLE, MO 65348 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 122, OTTERVILLE, MO 65348-0122 |
| Document Number | 0020251002 |
|---|---|
| Date | May 6, 2025 |
| Instrument | 2025-1002 |
| Name | MIDWEST REGIONAL BANK |
|---|---|
| Type | Bank |
| Address | OTTERVILLE, MO 65348 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Cooper County assessment roll, as of December 16, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Cooper County |
| Municipality | Otterville City |
| Unified School District | Otterville R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,890 (-) | $57,300 (-) Land $6,200 Building $51,100 | |
| 2025 | $990.00 | $10,890 (+8.36%) | $57,300 (+8.32%) Land $6,200 Building $51,100 |
| 2024 | $990.00 (+13.01%) | $10,050 (-) | |
| 2023 | $876.00 (+6.83%) | $10,050 (+8.88%) | $52,900 (+8.85%) Land $5,700 Building $47,200 |
| 2022 | $820.00 | $9,230 | |
| 2021 | $48,600 Land $5,700 Building $42,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 3, 2011 · 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 Claims | 1 (1990) |
| Most Recent Claim | May 1990 · river or lake 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 73% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OTTERVILLE PWS serves 450 people · EPA ID MO3010614 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Oct 2020 |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Co-Mo Electric Cooperative Fiber | 1,000 / 1,000 |
May also be available: T-Mobile USA, Wisper ISP.
5G (outdoors only) and 4G LTE
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