Lafayette County property record for 4809 Bluff Cir, Oak Grove, MO 64075
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,751 sqft · built 2001 |
| Lot Size | 2.69 acres (117,176 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,493 (2025) |
| Deeds & Mortgages | May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-2.0-10-0-000-009.120 |
| Primary APN | 24-2.0-10-0-000-009.120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,751 sqft Living Area |
| Basement Area | 1,751 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 117,176 sqft (2.69 acres) |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 4809 BLUFF CIR |
|---|---|
| City | OAK GROVE |
| State | MO |
| Zip | 64075-8453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 BLUFF AT BENT OAK 1ST PLAT; 893-309 |
| Legal Range | 29 |
| Legal Township | 48 |
| Legal Section | 10 |
| Legal Subdivision | BLUFF AT BENT OAK |
| Legal Lot Number | 11 |
| Jurisdiction | LAFAYETTE MO |
| Township / Civil Division | SNI-A-BAR |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 90602 |
4809 Bluff Cir is owned and occupied by two individuals who acquired it in May 2022.
Source: Lafayette County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4809 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 6, 2022 |
| Transfer Doc | 0000000520 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Property Address | 4809 BLUFF CIR, OAK GROVE, MO 64075-8453 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023DR1986 |
|---|---|
| Date | May 30, 2023 |
| Instrument | 2023DR1986 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | May 26, 2033 |
The 2025 property tax bill for 4809 Bluff Cir was $2,493, up 12.7% from the year before.
Source: Lafayette County assessment roll, as of October 28, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Lafayette County |
| Unified School District | Oak Grove R-VI School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,493.00 (+12.7%) | $34,907 | $183,720 Land $24,850 Building $158,870 |
| 2024 | $2,212.00 | ||
| 2023 | $30,620 | $161,158 Land $21,798 Building $139,360 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4809 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 risk around 4809 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.
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 |
| 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.
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.
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