5580 Cotter Creek Rd, De Soto, MO 63020 Property Records

Jefferson County property record for 5580 Cotter Creek Rd, De Soto, MO 63020

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,920 sqft · built 2001
Lot Size	4.11 acres (179,032 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,097 (Nov 2025)
Tax Bill	$1,851 (2024)
Deeds & Mortgages	Jun 2025 Mortgage Nov 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-6.0-23.0-0-000-004.01`

Property Details

APN / Parcel Number

Primary APN	`17-6.0-23.0-0-000-004.01`
Alternative APN	`1760230 00401`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,920 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Frame
Lot Area	179,032 sqft (4.11 acres)

Exterior Amenities

Porch	Open Frame Porch
Porch Area	120 sqft
Deck Area	Deck Area
Patio Area	200 sqft
Pole Barn	480 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5580 COTTER CREEK RD
City	DE SOTO
State	MO
Zip	63020-3263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR2
Legal Description	PT SE1/4 NE1/4
Legal Range	4E
Legal Township	40N
Legal Section	23
Legal Block	2
Jurisdiction	JEFFERSON MO
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2003
Census Tract	701002

Owner

Source: Jefferson County records, as of November 19, 2025

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	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2025	Deed of Trust, Mortgage · FHA Mortgage FIRST BANK MORTGAGE
Nov 6, 2025	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Aug 21, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST BANK
Oct 23, 2020	Warranty Deed, Transfer STIFEL BK&TR
Oct 23, 2020	Quit Claim Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO.
Apr 18, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Aug 21, 2023 · Amount on Record
Prior Transfer Date	Sep 22, 2020
Prior Transfer Doc	0000040117
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263

Mortgage

Document Number	0000014606
Date	Jun 16, 2025
Instrument	2025R-014606

Lender

Name	FIRST BANK MORTGAGE
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Sep 1, 2053

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Nov 6, 2025
Property Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263
Document Number	0000028896
Instrument Date	Nov 5, 2025
Instrument	2025R-028896
Transaction Type	Transfer
Record Updated	Nov 25, 2025
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1232 CHALET CT, SAINT CLAIR, MO 63077-2008

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263

Mortgage

Document Number	0000028897
Date	Nov 6, 2025
Instrument	2025R-028897

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Aug 21, 2023
Property Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263
Document Number	0000020449
Instrument Date	Aug 14, 2023
Instrument	2023R-020449
Transaction Type	Transfer
Record Updated	Nov 25, 2025
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11247 HILLSBORO, DE SOTO, MO 63020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263

Mortgage

Document Number	0000020450
Date	Aug 21, 2023
Instrument	2023R-020450

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Oct 23, 2020
Property Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263
Document Number	0000040118
Instrument Date	Sep 28, 2020
Instrument	40118
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5580 COTTER CREEK RD DE SOTO MO 630203263, DE SOTO, MO 63020-3263

Mortgage

Document Number	40119
Date	Oct 23, 2020
Instrument	40119

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Oct 23, 2020
Property Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263
Document Number	0000040117
Instrument Date	Sep 22, 2020
Instrument	40117
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5580 COTTER CREEK RD DE SOTO MO 630203263, DE SOTO, MO 63020-3263

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Apr 18, 2018
Property Address	5580 COTTER CREEK RD, DE SOTO, MO 63020-3263
Document Number	0000011610
Instrument Date	Apr 18, 2018
Instrument	11610
Transaction Type	Transfer
Record Updated	May 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5580 COTTER CREEK RD DE SOTO MO 630203263, DE SOTO, MO 63020-3263

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of September 29, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Hillsboro R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$32,200 (+8.78%) Land $5,400 Building $26,800	$169,400 (-) Land $28,500 Building $140,900
2024	$1,851.00 (-2.12%)		$169,400 (+8.66%) Land $28,500 Building $140,900
2023	$1,891.00 (-3.77%)	$29,600 (-) Land $5,400 Building $24,200	$155,900 (-) Land $28,500 Building $127,400
2022	$1,965.00	$29,600 Land $5,400 Building $24,200
2021			$155,900 Land $28,500 Building $127,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 2, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2015–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2015 · 2 claims

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 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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