55 Cedar Rdg Dr, Pacific, MO 63069 Property Records

Franklin County property record for 55 Cedar Rdg Dr, Pacific, MO 63069

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1973
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Tax Bill	$1,424 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-2-10.0-4-002-079.000`

Property Details

APN / Parcel Number

Primary APN	`19-2-10.0-4-002-079.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1973
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	55 CEDAR RIDGE DR
City	PACIFIC
State	MO
Zip	63069-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:83 CEDARS 2
Legal Range	02E
Legal Township	43
Legal Section	10
Legal Quarter	SE
Legal Subdivision	CEDARS (LOC 19)
Legal Block	2
Legal Lot Number	83
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOLES
Census Block Group	1
Census Block	1016
Census Tract	800704

Owner

Source: Franklin County records, as of November 10, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	55 CEDAR RIDGE DR, PACIFIC, MO 63069-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Warranty Deed, Transfer · Conventional Mortgage TOGETHER CU
Apr 2, 2019	Warranty Deed, Transfer GUILD MTG
Jan 3, 2019	Trustee's Deed, Construction Loan · Construction Mortgage COGGINS FAMILY TRUST (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022
Deed Sale	Oct 20, 2022
Prior Sale	Apr 2, 2019
Deed Document Number	2215993
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 20, 2022
Property Address	55 CEDAR RIDGE DR, PACIFIC, MO 63069-3404
Document Number	0002215993
Map Reference	PB L PG 46
Instrument Date	Oct 17, 2022
Instrument	2215993
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CEDAR RIDGE DR, PACIFIC, MO 63069-3404

Mortgage

Document Number	0002215994
Date	Oct 20, 2022
Instrument	2215994

Lender

Name	TOGETHER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.85%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2020
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	9.85%
Index	1-Year CMT
Max Rate	9.85%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 2, 2019
Property Address	55 CEDAR RIDGE DR, PACIFIC, MO 63069-3404
Document Number	0000003800
Instrument Date	Mar 29, 2019
Instrument	3800
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CEDAR RIDGE DR PACIFIC MO 630693404, PACIFIC, MO 63069-3404

Mortgage

Document Number	3801
Date	Apr 2, 2019
Instrument	3801

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 3, 2019
Property Address	55 CEDAR RIDGE DR, PACIFIC, MO 63069-3404
Instrument Date	Dec 28, 2018
Instrument	134
Transaction Type	Construction Loan
Record Updated	Jan 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 CEDAR RIDGE DR PACIFIC MO 630693404, PACIFIC, MO 63069-3404

Mortgage

Document Number	0000000134
Date	Jan 3, 2019
Instrument	134

Lender

Name	COGGINS FAMILY TRUST (RT)
Address	PO BOX 193, BLOOMFIELD, MO 63825-0193

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 2, 2020

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	Pacific City
Unified School District	Meramec Valley R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,424.00 (+11.16%)	$18,897 (+10.17%)	$99,460 (+10.17%) Land $35,000 Building $64,460
2023	$1,281.00 (+14.27%)	$17,153	$90,280 Land $35,000 Building $55,280
2022	$1,121.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% 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	FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bays-ET Highspeed Fixed Wireless	600 / 100
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Wisper ISP.

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