49195 E Lakeshore Dr, Hannibal, MO 63401 Property Records

Ralls County property record for 49195 E Lakeshore Dr, Hannibal, MO 63401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,269 sqft · built 1978
Lot Size	0.517 acres (22,521 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,360 (May 2023)
Tax Bill	$1,656 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-09-04975.000`

Property Details

APN / Parcel Number

Primary APN	`35-09-04975.000`
Alternative APN	`04-0.1-11-002-05-06.00000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,269 sqft Finished Area
Basement Area	1,269 sqft
Finished Basement	1,269 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,521 sqft (0.517 acres)
Deck Area	487 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	49195 E LAKESHORE DR
City	HANNIBAL
State	MO
Zip	63401-7313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E-50'OF LOT 2, ALL OF LOT 3 & W-25'OF LOT 4 BLK 8 LAKE HANNIBAL EST. SEC 11-56-6
Legal Range	06
Legal Township	56
Legal Section	11
Legal Subdivision	LAKE HANNIBAL ESTATE
Legal Block	8
Legal Lot Number	2
Jurisdiction	RALLS MO
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3018
Census Tract	470300

Owner

Source: Ralls County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	49195 E LAKESHORE DR, HANNIBAL, MO 63401-7313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage F & M BANK & TRUST COMPANY
May 22, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 2, 2020	Warranty Deed, Transfer · Conventional Mortgage F & M BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Dec 2, 2020 · Amount on Record
Deed Document Number	202373668
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RALLS MO
Property Address	49195 E LAKESHORE DR, HANNIBAL, MO 63401-7313
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	MOSSWOOD PL #1 1, 1, MONROE CITY, MO 63456-2601

Mortgage

Document Number	0202068356
Date	Dec 2, 2020
Instrument	2020-68356

Lender

Name	F & M BANK & TRUST COMPANY
Type	Bank
Address	HANNIBAL, MO 63401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2040

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RALLS MO
Recording Date	May 22, 2023
Property Address	49195 E LAKESHORE DR, HANNIBAL, MO 63401-7313
Document Number	0202373668
Map Reference	MB 2 PG 17
Instrument Date	May 19, 2023
Instrument	2023-73668
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	49195 E LAKESHORE DR, HANNIBAL, MO 63401-7313
Investor	Possibly a Property Investor

Mortgage

Document Number	0202373669
Date	May 22, 2023
Instrument	2023-73669

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RALLS MO
Recording Date	Dec 2, 2020
Property Address	49195 E LAKESHORE DR, HANNIBAL, MO 63401-7313
Document Number	202068355
Map Reference	MB 2 PG 17
Instrument Date	Nov 22, 2020
Instrument	2020-68355
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202068356
Date	Dec 2, 2020
Instrument	2020-68356

Lender

Name	F & M BANK & TRUST COMPANY
Type	Bank
Address	HANNIBAL, MO 63401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

Source: Ralls County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Ralls County
Municipality	Rensselaer Village
Unified School District	Monroe City R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,656.00 (+20.52%)	$26,990 (+14.51%) Land $5,880 Building $21,110	$142,020 (+14.5%) Land $30,920 Building $111,100
2023	$1,374.00	$23,570 Land $5,130 Building $18,440	$124,030 Land $27,000 Building $97,030

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

Source: FEMA National Flood Hazard Layer, effective January 13, 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	1 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

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	0.04% 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	RALLS COUNTY PWSD 1 serves 7,662 people · EPA ID MO2024499
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2023
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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ralls Technologies Fiber	10,000 / 10,000

May also be available: Mark Twain Communications Company.

Cell Coverage

5G (outdoors only) and 4G LTE

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