5539 Florence Trl, Florence, MO 65329 Property Records

Morgan County property record for 5539 Florence Trl, Florence, MO 65329

Property Summary

Property Type	Single Family Home
Details	1,776 sqft · built 2022
Lot Size	10 acres (438,649 sqft)
Owner	Individual Name on File
Tax Bill	$844 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`03-1.0-12-000-000-005.001`

Property Details

APN / Parcel Number

Primary APN	`03-1.0-12-000-000-005.001`

Interior

Stories	1 Story
Building Area	1,776 sqft Adjusted Area
Flooring	Vinyl Sheet/Linoleum
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asbestos
Lot Area	438,649 sqft (10 acres)
Utility Building	160 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	5539 FLORENCE TRL
City	FLORENCE
State	MO
Zip	65329-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRT SW NE
Jurisdiction	MORGAN MO
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3068
Census Tract	470100

Owner

5539 Florence Trl is owned and occupied by an individual who acquired it in February 2021.

Source: Morgan County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5539 FLORENCE TRL, FLORENCE, MO 65329-2227
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Feb 5, 2021	Warranty Deed, Construction Loan · Construction Mortgage CENTRAL BANK OF SEDALIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021
Deed Sale	Feb 5, 2021
Deed Document Number	202100797
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Property Address	5539 FLORENCE TRL, FLORENCE, MO 65329-2227
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	NOT AVAILABLE, HUBBARD KAVANAUGH TTL GUARAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5539 FLORENCE TRL, FLORENCE, MO 65329-2227

Mortgage

Document Number	0202301706
Date	Apr 26, 2023
Instrument	202301706

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	SEDALIA, MO 65301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year T-Bill
Margin	3
Max Rate	11.7%

February 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MORGAN MO
Recording Date	Feb 5, 2021
Property Address	5539 FLORENCE TRL, FLORENCE, MO 65329-2227
Document Number	0202100797
Instrument Date	Feb 4, 2021
Instrument	202100797
Transaction Type	Construction Loan
Record Updated	Sep 5, 2023
Title Company	HUBBARD-KAVANAUGH TITLE COMPANY, HUBBARD KAVANAUGH TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5685 LEE SCHOOL RD, BUNCETON, MO 65237-2812

Mortgage

Document Number	0202100889
Date	Feb 5, 2021
Instrument	202100889

Lender

Name	CENTRAL BANK OF SEDALIA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Aug 5, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 5539 Florence Trl was $844.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Morgan County
Unified School District	Morgan County R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$844.00	$21,390
2024			$112,600 Land $15,600 Building $97,000
2023	$542.00 (+458.76%)	$13,260
2022	$97.00		$69,800 Land $12,500 Building $57,300
2011	$88.00

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

Flood

FEMA maps place 5539 Florence Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective November 16, 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	1 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 5539 Florence Trl is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 55% of Missouri
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Co-Mo Connect Fiber	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Florence Trl

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