428 Cobb Ln, Tipton, MO 65081 Property Records

Moniteau County property record for 428 Cobb Ln, Tipton, MO 65081

Property Summary

Property Type	Single Family Home
Details	1,429 sqft · built 1970
Lot Size	0.331 acres (14,425 sqft)
Owner	Individual Name on Record
Tax Bill	$766 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-546-0`

Property Details

APN / Parcel Number

Primary APN	`28-546-0`
Alternative APN	`08-5.0-21-001-001-014.000`

Interior

Building Area	1,429 sqft Adjusted Area
1st Floor Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,425 sqft (0.331 acres)
Utility Building	119 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	28-546-0
Street Address	428 COBB LN
City	TIPTON
State	MO
Zip	65081-8209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL LOT 5 COBB ADD TIPTON SEC21 TWP45 R17 SEC 21
Legal Range	17W
Legal Township	45N
Legal Section	21
Legal Subdivision	TIPTON CENTRAL
Legal Lot Number	5
Jurisdiction	MONITEAU MO
Township / Civil Division	WILLOW FORK
Census Block Group	2
Census Block	2012
Census Tract	385400

Owner

Source: Moniteau County records, as of September 23, 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	520 MEADOWLARK LN, TIPTON, MO 65081-8235
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage THE TIPTON LATHAM BANK NA
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Mar 11, 2025	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2025
Deed Sale	Mar 11, 2025
Deed Document Number	2025320
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONITEAU MO
Property Address	428 COBB LN, TIPTON, MO 65081-8209
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201801985
Date	Oct 29, 2018
Instrument	201801985

Lender

Name	THE TIPTON LATHAM BANK NA
Type	Bank
Address	TIPTON, MO 65081

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	38 Months
Due	Dec 24, 2021

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONITEAU MO
Property Address	428 COBB LN, TIPTON, MO 65081-8209
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 MEADOWLARK LN, TIPTON, MO 65081-8235

Mortgage

Document Number	0202502310
Date	Dec 23, 2025
Instrument	202502310

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	9%

March 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MONITEAU MO
Recording Date	Mar 11, 2025
Property Address	428 COBB LN, TIPTON, MO 65081-8209
Document Number	0202500320
Map Reference	MB 2 PG 63
Instrument Date	Mar 11, 2025
Instrument	202500320
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	520 MEADOWLARK LN, TIPTON, MO 65081-8235

Tax Assessment & Valuation

Source: Moniteau County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Moniteau County
Municipality	Tipton City
Unified School District	Tipton R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$12,180 (-)
2025	$766.00 (+9.9%)	$12,180 (-)	$64,100 (-) Land $10,700 Building $53,400
2023	$697.00	$12,180	$64,100 Land $10,700 Building $53,400

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 March 3, 2011

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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	TIPTON PWS serves 2,861 people · EPA ID MO3010791
Water Source	Groundwater
Last State Inspection	May 2024
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Co-Mo Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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