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5297 White Cloud Rd, Fulton, MO 65251 Property Records

Callaway County property record for 5297 White Cloud Rd, Fulton, MO 65251 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Rural Home
Bathrooms1 Baths
Year BuiltBuilt 2022
Square Footage2,418 sqft Living Area
Lot Size182,081 sqft (4.18 acres)
GarageAttached, 1,398 sqft
OccupancyOwner Occupied
Last Sale$571,900 (2026)

Property Details

APN / Parcel Number

Primary APN14-03.0-08.0-00-000-002.005
Alternative APN
  • 1403008000000000000

Interior

Full Baths1 Baths
Building Area2,418 sqft Living Area
1st Floor2,418 sqft 1st Floor
Basement Area2,418 sqft Basement
Stories1 Stories

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Construction TypeFrame Construction
Lot Area182,081 sqft (4.18 acres)
Parking Spaces5 Parking Spaces
Garage TypeAttached Garage
Garage Area1,398 sqft Garage
Patio Area588 sqft Patio
Porch Area532 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number1403008000000002005
Street Address5297 WHITE CLOUD RD
CityFULTON
StateMO
Zip65251-5535
Property UsageResidential Property Usage
TypeResidential > Single Family > Rural Home
Legal DescriptionLOT #7 LAKE WHITE CLOUD ESTATES PLAT #3 P9/284
Legal Range10W
Legal Township47N
Legal Section08
Legal SubdivisionLAKE WHITE CLOUD ESTATES PLAT #3
Legal Lot Number7
JurisdictionCALLAWAY MO
Minor Civil DivisionBOURBON
Census Blockgroup3
Census Block3014
Census Tract70500

Owner

Source: Callaway County records · APN 14-03.0-08.0-00-000-002.005

Assessment roll updated January 15, 2026 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address5297 WHITE CLOUD RD, FULTON, MO 65251-5535
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 12, 2022Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM)
HAWTHORN BANK
Feb 27, 2026Warranty Deed, Transfer
PLANET HOME LENDING LLC
Oct 18, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 27, 2026 · Amount on Record
Deed SaleFeb 27, 2026 · Amount on Record
Prior SaleOct 18, 2021
Deed Doc Number20261169
Deed Book / Page525 / 793
Prior Transfer DateJul 29, 2024
Prior Transfer Doc0000003774
Record RefreshedJun 08, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALLAWAY MO
Property Address5297 WHITE CLOUD RD, FULTON, MO 65251-5535
Transaction TypeMortgage
Record UpdatedMar 25, 2026
Title CompanyBOONE CENTRAL TITLE COMPANY, BOONE CENTRAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number000502/682
DateSep 12, 2022
Book Page502/682
Instrument202205838
Lender
NameHAWTHORN BANK
Agreement
TypeAdjustable Rate Mortgage (ARM)
AmountAmount Recorded
Term361 Months
DueOct 01, 2052
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateOct 01, 2029
Index1-Year CMT
Margin3

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCALLAWAY MO
Recording DateFeb 27, 2026
Property Address5297 WHITE CLOUD RD, FULTON, MO 65251-5535
Document Number000525/793
Book / Page525 / 793
Instrument DateFeb 27, 2026
Instrument202601169
Transaction TypeTransfer
Record UpdatedMar 25, 2026

Transaction

Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5297 WHITE CLOUD RD, FULTON, MO 65251-5535

Mortgage

Document Number0202601170
DateFeb 27, 2026
Instrument202601170
Lender
NamePLANET HOME LENDING LLC
TypeMortgage Company
Agreement
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCALLAWAY MO
Recording DateOct 18, 2021
Property Address5297 WHITE CLOUD RD, FULTON, MO 65251-5535
Document Number000495/640
Book / Page495 / 640
Instrument DateOct 13, 2021
Instrument202107907
Transaction TypeTransfer
Record UpdatedMar 24, 2026

Transaction

Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address814 CENTER ST, FULTON, MO 65251-1923

Tax Assessment & Valuation

Source: Callaway County records · Assessment roll updated January 15, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMissouri
CountyCallaway County
Unified School DistrictFulton 58 School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$69,375 (-)$365,130 (-)
2024$4,243.00 (+0.55%)$69,375 (-)$365,130 (-)
2023$4,220.00 (+1,365.28%)$69,375 (+1,360.53%)$365,130 (+1,360.52%)
2022$288.00$4,750 Land $4,750
2021$25,000 Land $25,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Callaway County (29027C), updated September 5, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 40% of the US · above 39% of Missouri
Wildfire LikelihoodAbout 1 in 1,429 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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