Lafayette County property record for 408 W Cedar St, Waverly, MO 64096
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1959 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $228,760 (Apr 2025) |
| Tax Bill | $1,258 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Jun 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-5.0-22-1-000-013.000 |
| Primary APN | 06-5.0-22-1-000-013.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Basement Area | 1,008 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 14,000 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 408 W CEDAR ST |
|---|---|
| City | WAVERLY |
| State | MO |
| Zip | 64096-8175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 6 & 7 BLK 1 MCLEMORE SUBD; 761-255, 846-379, 851-685, 1020-625, 1141-566, 1179-388, 2022DR3313, 2025DR1515 |
| Legal Range | 24 |
| Legal Township | 51 |
| Legal Section | 22 |
| Legal Subdivision | MCLEMORE SUBD |
| Legal Block | 1 |
| Legal Lot Number | 6-7 |
| Jurisdiction | LAFAYETTE MO |
| Township / Civil Division | MIDDLETON |
| Census Block Group | 2 |
| Census Block | 2059 |
| Census Tract | 90300 |
Source: Lafayette County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 408 W CEDAR ST, WAVERLY, MO 64096-8175 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jan 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WOOD & HUSTON BANK |
| Jun 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL BANK |
| Mar 31, 2009 | Deed of Trust, Mortgage B AND L BANK |
| Jul 1, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2025 · Amount on Record |
| Deed Sale | Apr 30, 2025 · Amount on Record |
| Prior Sale | Jul 1, 2022 · Amount on Record |
| Deed Document Number | 20251515 |
| Prior Transfer Date | Apr 28, 2025 |
| Prior Transfer Doc | 2025DR1515 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Property Address | 408 W CEDAR ST, WAVERLY, MO 64096-8175 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | LAFAYETTE COUNTY TITLE |
| Name | Verified Name |
|---|
| Document Number | 02017/0326 |
|---|---|
| Date | Jan 27, 2017 |
| Book Page | 2017/0326 |
| Instrument | 2017DR0326 |
| Name | WOOD & HUSTON BANK |
|---|---|
| Type | Bank |
| Address | MARSHALL, MO 65340 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Property Address | 408 W CEDAR ST, WAVERLY, MO 64096-8175 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2021DR3241 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 2021DR3241 |
| Name | CENTRAL BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Property Address | 408 W CEDAR ST, WAVERLY, MO 64096-8175 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 408 W CEDAR ST, WAVERLY, MO 64096-8175 |
| Document Number | 001179/390 |
|---|---|
| Date | Mar 31, 2009 |
| Book Page | 1179/390 |
| Name | B AND L BANK |
|---|---|
| Address | PO BOX 190, LEXINGTON, MO 64067 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Recording Date | Jul 1, 2022 |
| Property Address | 408 W CEDAR ST, WAVERLY, MO 64096-8175 |
| Document Number | 2022DR3313 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 2022DR3313 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | MISC COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 W CEDAR ST, WAVERLY, MO 64096-8175 |
| Document Number | 2022DR3314 |
|---|---|
| Date | Jul 1, 2022 |
| Instrument | 2022DR3314 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2037 |
Source: Lafayette County assessment roll, as of October 28, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Lafayette County |
| Municipality | Waverly City |
| Unified School District | Santa Fe R-X School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,258.00 (+14.26%) | $16,984 (+13.99%) | $89,390 (+14%) Land $7,040 Building $82,350 |
| 2024 | $1,101.00 | ||
| 2023 | $14,899 | $78,414 Land $6,174 Building $72,240 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective November 26, 2010
| 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 |
Values are read at the parcel center point; 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 72% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WAVERLY PWS serves 900 people · EPA ID MO1010839 |
|---|---|
| Water Source | Purchased groundwater from MARSHALL PWS |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | No certified operator Nov 2024 |
| Monitoring and Reporting | 1 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 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Green Hills Technologies Cable | 250 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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