4520 State Rd J, Fulton, MO 65251 Property Records

Callaway County property record for 4520 State Rd J, Fulton, MO 65251

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,600 sqft · built 1976
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$82,460 (Jan 2025)
Tax Bill	$939 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-07.0-35.0-00-000-032.000`

Property Details

APN / Parcel Number

Primary APN	`06-07.0-35.0-00-000-032.000`
Alternative APN	`607035000000032000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	800 sqft
Flooring	Softwood
Interior Walls	Paneling

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Heating Fuel	Oil

Location & Zoning

Account Number	607035000000032000
Street Address	4520 STATE ROAD J
City	FULTON
State	MO
Zip	65251-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 4 BLK 9 1/2 VACATED ALLEY MILLERSBURG
Legal Range	11W
Legal Township	48N
Legal Section	35
Legal Subdivision	TOWN OF MILLERSBURG
Legal Block	9
Legal Lot Number	3
Jurisdiction	CALLAWAY MO
Township / Civil Division	BOURBON
Census Block Group	4
Census Block	4022
Census Tract	70500

Owner

4520 State Rd J is owned by two individuals who bought it in January 2025.

Source: Callaway County records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6381 N LIDDELL LN, COLUMBIA, MO 65202-6845
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit FIRST STATE COMMUNITY BANK
Jan 14, 2025	Warranty Deed, Transfer · Closed-End Mortgage UNITED STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2025 · Amount on File
Deed Sale	Jan 14, 2025 · Amount on File
Deed Document Number	2025270
Deed Book / Page	517 / 786
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Recording Date	Apr 6, 2026
Property Address	4520 STATE ROAD J, FULTON, MO 65251-3404
Document Number	0000001931
Book / Page	526 / 532
Instrument Date	Apr 3, 2026
Instrument	20261931
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BOONE CENTRAL TITLE COMPANY, BOONE CENTRAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6381 N LIDDELL LN, COLUMBIA, MO 65202-6845

Mortgage

Document Number	0000001931,
Date	Apr 6, 2026
Book Page	526/532
Instrument	20261931

Lender

Name	FIRST STATE COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6%
Max Rate	-1%

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLAWAY MO
Recording Date	Jan 14, 2025
Property Address	4520 STATE ROAD J, FULTON, MO 65251-3404
Document Number	000517/786
Book / Page	517 / 786
Instrument Date	Jan 14, 2025
Instrument	202500270
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6381 N LIDDELL LN, COLUMBIA, MO 65202-6845

Mortgage

Document Number	0202500271
Date	Jan 14, 2025
Instrument	202500271

Lender

Name	UNITED STATE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 9, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 4520 State Rd J was $939.

Source: Callaway County assessment roll, as of January 15, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Callaway County
Unified School District	Fulton 58 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$939.00	$15,363 (-)	$80,860 (-)
2024	$939.00 (+43.8%)	$15,363 (+43.11%)	$80,860 (+43.12%)
2023	$653.00 (+4.65%)	$10,735 (+4.63%)	$56,500
2022	$624.00	$10,260 Land $855 Building $9,405
2021			$54,000 Land $4,500 Building $49,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4520 State Rd J in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 5, 2012 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1993 · Severe Storms & 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.

Wildfire

Wildfire risk around 4520 State Rd J is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.05% 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	BOONE COUNTY PWSD 9 serves 15,035 people · EPA ID MO3024058
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Callabyte Fiber	1,000 / 1,000
FireServe Fixed Wireless · not low latency	100 / 50

May also be available: Wisper ISP.

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