604 N Cherry St, Otterville, MO 65348 Property Records

Cooper County property record for 604 N Cherry St, Otterville, MO 65348

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,884 sqft · built 2008
Lot Size	0.298 acres (12,995 sqft)
Owner	2 Individual Names on File
Last Sale	$352,450 (Jun 2025)
Tax Bill	$4,327 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-2.0-03-002-004-003.000`

Property Details

APN / Parcel Number

Primary APN	`23-2.0-03-002-004-003.000`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,884 sqft Adjusted Area
1st Floor Area	2,215 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Combination
Roof Type	Hip
Roof Material	Shingle
Lot Area	12,995 sqft (0.298 acres)
Lot Dimensions	112 ft deep x 115 ft wide
Garage Area	1,120 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	604 N CHERRY ST
City	OTTERVILLE
State	MO
Zip	65348-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 10 & 11 & S 12 LOT 12, BLK 3, BROWNFIELDS ADDN., 115 X 112.5, (602 604 N CHERRY ST)
Legal Range	19W
Legal Township	45N
Legal Section	03
Legal Subdivision	BROWNFIELDS ADDN
Legal Block	3
Legal Lot Number	10-12
Jurisdiction	COOPER MO
Township / Civil Division	OTTERVILLE
Census Block Group	5
Census Block	5067
Census Tract	950500

Owner

Source: Cooper County assessment roll, as of December 16, 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 File
Mailing Address	602/604 CHERRY ST, OTTERVILLE, MO 65348
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 30, 2025	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Deed Document Number	20251427
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOPER MO
Recording Date	Jul 30, 2026
Property Address	604 N CHERRY ST, OTTERVILLE, MO 65348-1121
Document Number	0000001830
Instrument Date	Jul 24, 2026
Instrument	20261830
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 N CHERRY ST, OTTERVILLE, MO 65348-1121

Mortgage

Document Number	0000001830,
Date	Jul 30, 2026
Instrument	20261830

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOPER MO
Recording Date	Jun 30, 2025
Property Address	604 N CHERRY ST, OTTERVILLE, MO 65348-1121
Document Number	0020251427
Instrument Date	Jun 24, 2025
Instrument	2025-1427
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 N CHERRY ST # 604, 604, OTTERVILLE, MO 65348-1121

Mortgage

Document Number	0020251428
Date	Jun 30, 2025
Instrument	2025-1428

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Cooper County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Cooper County
Municipality	Otterville City
Unified School District	Otterville R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$47,580 (-)	$250,400 (-) Land $6,600 Building $243,800
2025	$4,327.00	$47,580 (+7.33%)	$250,400 (+7.33%) Land $6,600 Building $243,800
2024	$4,327.00 (+11.92%)	$44,330 (-)
2023	$3,866.00 (+0.62%)	$44,330 (+2.52%)	$233,300 (+2.5%) Land $6,000 Building $227,300
2022	$3,842.00	$43,240
2021			$227,600 Land $6,000 Building $221,600

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 May 3, 2011 · 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 Claims	1 (1990)
Most Recent Claim	May 1990 · river or lake 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

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

Wildfire Risk	Moderate above 52% of the US · above 75% of Missouri
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OTTERVILLE PWS serves 450 people · EPA ID MO3010614
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Oct 2020
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Co-Mo Electric Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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