406 Bluff St, Cleveland, MO 64734 Property Records

Cass County property record for 406 Bluff St, Cleveland, MO 64734

Property Summary

Property Type	Single Family Home
Details	1,800 sqft · built 2023
Lot Size	0.759 acres (33,062 sqft)
Owner	Individual Name on File
Tax Bill	$2,710 (2025)
Deeds & Mortgages	May 2022 Line of Credit Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-33-08-100-003-014.000`

Property Details

APN / Parcel Number

Primary APN	`15-33-08-100-003-014.000`
Alternative APN	`2654200`

Interior

Stories	1 Story
Building Area	1,800 sqft Living Area
Gross Area	3,600 sqft
1st Floor Area	1,800 sqft
Basement Area	1,800 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Metal Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	33,062 sqft (0.759 acres)
Lot Dimensions	114 ft deep x 290 ft wide
Porch	Slab

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	2654200
Street Address	406 BLUFF ST
City	CLEVELAND
State	MO
Zip	64734-8979
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST LINE LOTS 1 THRU 4 BLK 36
Legal Range	33
Legal Township	44
Legal Section	08
Legal Subdivision	WEST LINE
Legal Block	36
Legal Lot Number	1-4
Jurisdiction	CASS MO
Township / Civil Division	WEST DOLAN
Census Block Group	4
Census Block	4036
Census Tract	61100

Owner

406 Bluff St is owned by an individual who acquired it in June 2024.

Source: Cass County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	507 BLUFF ST, CLEVELAND, MO 64734-8978
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
May 27, 2022	Deed of Trust, Mortgage · Line of Credit ADRIAN BANK
Aug 4, 2021	Deed of Trust, Mortgage · Line of Credit ADRIAN BANK
Jun 26, 2024	Beneficiary Deed, Transfer
Sep 21, 2017	Intrafamily Transfer, Transfer COMMONWEALTH LAND TITLE KS, COMMONWEALTH LAND TITLE INSU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 26, 2024
Transfer Doc	0005070/23
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	406 BLUFF ST, CLEVELAND, MO 64734-8979
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 BLUFF ST, CLEVELAND, MO 64734-8978

Mortgage

Document Number	0004859/23
Date	May 27, 2022
Book Page	4859/23
Instrument	717217

Lender

Name	ADRIAN BANK
Type	Bank
Address	ADRIAN, MO 64720

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 25, 2042

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	406 BLUFF ST, CLEVELAND, MO 64734-8979
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 BLUFF ST, CLEVELAND, MO 64734-8979

Mortgage

Document Number	0004729/29
Date	Aug 4, 2021
Book Page	4729/29
Instrument	697564

Lender

Name	ADRIAN BANK
Type	Bank
Address	ADRIAN, MO 64720

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 3, 2022

June 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	CASS MO
Recording Date	Jun 26, 2024
Property Address	406 BLUFF ST, CLEVELAND, MO 64734-8979
Document Number	0005070/23
Book / Page	5070 / 23
Instrument Date	Jun 26, 2024
Instrument	751401
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	507 BLUFF ST, CLEVELAND, MO 64734-8978

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS MO
Recording Date	Sep 21, 2017
Property Address	406 BLUFF ST, CLEVELAND, MO 64734-8979
Document Number	004173/077
Book / Page	4173 / 077
Instrument Date	Sep 21, 2017
Instrument	613786
Transaction Type	Transfer
Record Updated	Dec 2, 2025
Title Company	COMMONWEALTH LAND TITLE KS, COMMONWEALTH LAND TITLE INSU

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 BLUFF ST, CLEVELAND, MO 64734-8978

Tax Assessment & Valuation

The 2025 property tax bill for 406 Bluff St was $2,710, up 2,236.2% from the year before.

Source: Cass County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Cass County
Municipality	West Line Village
Unified School District	Midway R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,710.00 (+2,236.21%)	$820 Land $820	$4,310 Land $4,310
2024	$116.00
2023	$116.00 (+5,7%)	$1,480 (+8.82%) Land $750 Building $730	$7,740 Land $3,920 Building $3,820
2022	$2.00	$1,360 Land $750 Building $610
2021			$7,150 Land $3,920 Building $3,230

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

Flood

FEMA maps place 406 Bluff St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1984–2010)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jun 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2004 · 3 claims

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 406 Bluff St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% 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	CASS COUNTY PWSD 7 serves 4,143 people · EPA ID MO1024111
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	3 ppb (2023–2025) 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Northeast Florida Telephone Company Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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