4808 Bluff Cir, Oak Grove, MO 64075 Property Records

Lafayette County property record for 4808 Bluff Cir, Oak Grove, MO 64075

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,046 sqft · built 2005
Lot Size	2.02 acres (87,991 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,902 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`24-2.0-10-0-000-009.130`

Property Details

APN / Parcel Number

Primary APN	`24-2.0-10-0-000-009.130`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Building Area	1,046 sqft Living Area
Basement Area	1,046 sqft
Finished Basement	1,046 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	87,991 sqft (2.02 acres)
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4808 BLUFF CIR
City	OAK GROVE
State	MO
Zip	64075-8453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLUFF AT BENT OAK 1ST PLAT; 1055-57, 1070-1045
Legal Range	29
Legal Township	48
Legal Section	10
Legal Subdivision	BLUFF BENT OAK 1ST
Legal Lot Number	12
Jurisdiction	LAFAYETTE MO
Township / Civil Division	SNI-A-BAR
Census Block Group	1
Census Block	1053
Census Tract	90602

Owner

4808 Bluff Cir is owned and occupied by two individuals.

Source: Lafayette County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4808 BLUFF CIR, OAK GROVE, MO 64075-8453
Occupancy	Owner Occupied
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
Apr 27, 2018	Deed of Trust, Mortgage MR COOPER
Dec 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	4808 BLUFF CIR, OAK GROVE, MO 64075-8453
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018DR1574
Date	Apr 27, 2018
Instrument	2018DR1574

Lender

Name	MR COOPER

Agreement

Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	4808 BLUFF CIR, OAK GROVE, MO 64075-8453
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202019DR5163
Date	Dec 26, 2019
Instrument	202019DR5163

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4808 Bluff Cir was $1,902.

Source: Lafayette County assessment roll, as of October 28, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Lafayette County
Unified School District	Oak Grove R-VI School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,902.00	$26,628	$140,150 Land $20,730 Building $119,420
2023		$23,357	$122,930 Land $18,180 Building $104,750

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

Flood

FEMA maps place 4808 Bluff Cir 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 November 26, 2010 · 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	2 in force

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 4808 Bluff Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% 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	LAFAYETTE COUNTY PWSD 1 serves 8,250 people · EPA ID MO1024324
Water Source	Purchased groundwater from INDEPENDENCE PWS
Last State Inspection	Feb 2024
Lead	Under 1 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	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)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Brightspeed DSL	100 / 10

May also be available: AT&T, Nexus Air Fiber, Spectrum.

Nearby Properties on Bluff Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures