4902 Laredo Trl, Columbia, MO 65203 Property Records

Boone County property record for 4902 Laredo Trl, Columbia, MO 65203

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,201 sqft · built 2010
Lot Size	0.426 acres (18,580 sqft)
Owner	2 Individual Names on File
Last Sale	$503,597 (Nov 2024)
Tax Bill	$4,815 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-100-00-01-449-00`

Property Details

APN / Parcel Number

Primary APN	`20-100-00-01-449-00`
Alternative APN	`20-100-00-01-449.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,201 sqft Living Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	18,580 sqft (0.426 acres)
Lot Dimensions	118 ft deep x 157 ft wide
Garage Type	Attached
Garage Area	769 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	4902 LAREDO TRL
City	COLUMBIA
State	MO
Zip	65203-0887
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THORNBROOK PLAT 13 LOT 449
Legal Range	13W
Legal Township	47N
Legal Section	05
Legal Subdivision	THORNBROOK
Legal Lot Number	449
Jurisdiction	BOONE MO
Township / Civil Division	ROCK BRIDGE
Census Block Group	3
Census Block	3026
Census Tract	1806

Owner

4902 Laredo Trl is owned and occupied by two individuals who bought it in November 2024.

Source: Boone County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4902 LAREDO TRL, COLUMBIA, MO 65203-0887
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORS BANK
Aug 25, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2024 · Amount on File
Deed Sale	Nov 1, 2024 · Amount on File
Prior Sale	Aug 25, 2017 · Amount on File
Deed Document Number	202417427
Deed Book / Page	5930 / 54
Prior Transfer Date	Oct 28, 2024
Prior Transfer Doc	0000017428
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Recording Date	Sep 16, 2026
Property Address	4902 LAREDO TRL, COLUMBIA, MO 65203-0887
Document Number	0000017313
Book / Page	6206 / 16
Instrument Date	Sep 11, 2026
Instrument	202617313
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4902 LAREDO TRL, COLUMBIA, MO 65203-0887

Mortgage

Document Number	0000017313,
Date	Sep 16, 2026
Book Page	6206/16
Instrument	202617313

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 7, 2046

Interest

Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	4902 LAREDO TRL, COLUMBIA, MO 65203-0887
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4902 LAREDO TRAIL, SHAWNEE, KS 66203

Mortgage

Document Number	0000008870
Date	Apr 25, 2022
Book Page	5610/128
Instrument	2022008870

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	4902 LAREDO TRL, COLUMBIA, MO 65203-0887
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028089
Date	Nov 5, 2020
Book Page	5302/68
Instrument	2020028089

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Aug 25, 2017
Property Address	4902 LAREDO TRL, COLUMBIA, MO 65203-0887
Document Number	2017017769
Book / Page	4797 / 0020
Map Reference	MBN38 PG106
Instrument Date	Aug 25, 2017
Instrument	2017017769
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	BOONE CENTRAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4902 LAREDO TARIL, COLUMBIA, MO 65203-0887

Mortgage

Document Number	2017017770
Date	Aug 25, 2017
Instrument	2017017770

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4902 Laredo Trl was $4,815.

Source: Boone County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Boone County
Municipality	Columbia City
Unified School District	Columbia 93 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,530 (-) Land $9,500 Building $64,030
2025	$4,815.00	$73,530 Land $9,500 Building $64,030	$387,000 Land $50,000 Building $337,000
2023	$4,296.00 (+4.09%)	$64,220 Land $9,500 Building $54,720	$338,000 Land $50,000 Building $288,000
2022	$4,127.00

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 4902 Laredo Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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 4902 Laredo Trl 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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF COLUMBIA UTILITIES serves 126,254 people · EPA ID MO3010181
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (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.

Internet Providers

Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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