405 Virginia St, Fredericktown, MO 63645 Property Records

Madison County property record for 405 Virginia St, Fredericktown, MO 63645

Property Summary

Property Type	Single Family Home
Details	2 bd · 792 sqft · built 1951
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$666 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`07-4.0-17-002-016-008.000`

Property Details

APN / Parcel Number

Primary APN	`07-4.0-17-002-016-008.000`
Alternative APN	`4758`

Interior

Bedrooms	2 Beds
Total Rooms	4 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,712 sqft (0.2 acres)
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	405 VIRGINIA ST
City	FREDERICKTOWN
State	MO
Zip	63645-1467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L9 BLK 11 CAHOON ADDN
Legal Subdivision	CAHOON ADD
Legal Block	11
Jurisdiction	MADISON MO
Township / Civil Division	ST. MICHAEL
Census Block Group	1
Census Block	1014
Census Tract	960202

Owner

Source: Madison County records, as of January 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	405 VIRGINIA ST, FREDERICKTOWN, MO 63645-1467
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW ERA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2024
Deed Sale	Apr 4, 2024
Prior Sale	Jun 11, 2014
Deed Document Number	0000563693
Deed Book / Page	563 / 693
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	405 VIRGINIA ST, FREDERICKTOWN, MO 63645-1467
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000563/695
Date	Apr 4, 2024
Book Page	563/695

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MO
Property Address	405 VIRGINIA ST, FREDERICKTOWN, MO 63645-1467
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000519/206
Date	Aug 19, 2020
Book Page	519/206
Instrument	2020001317

Lender

Name	NEW ERA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

Tax Assessment & Valuation

Source: Madison County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Madison County
Municipality	Fredericktown City
Unified School District	Fredericktown R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$666.00 (-0.15%)	$10,610 (-)	$55,840 (-) Land $5,720 Building $50,120
2023	$667.00 (+7.75%)	$10,610 (+8.71%)	$55,840 (+8.68%) Land $5,720 Building $50,120
2022	$619.00	$9,760
2021			$51,380 Land $5,720 Building $45,660

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 August 2, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	FREDERICKTOWN PWS serves 4,429 people · EPA ID MO4010290
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Aug 2017 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 449 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T.

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