645 Winding Ridge Dr, Jackson, MO 63755 Property Records

Cape Girardeau County property record for 645 Winding Ridge Dr, Jackson, MO 63755

Property Summary

Property Type	Single Family Home
Details	5 bd · 3,177 sqft · built 2020
Lot Size	5.6 acres (243,936 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,609 (2025)
Deeds & Mortgages	May 2022 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`109012602008000000`

Property Details

APN / Parcel Number

Primary APN	`109012602008000000`

Interior

Bedrooms	5 Beds
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,177 sqft Total Area
Basement Area	3,177 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Lot Area	243,936 sqft (5.6 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	645 WINDING RIDGE DR
City	JACKSON
State	MO
Zip	63755-8848
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 WINDING RIDGE ESTATES SECOND AMENDED 25/04
Legal Range	13E
Legal Township	32S
Legal Section	26
Legal Subdivision	WINDING RIDGE ESTATES
Legal Lot Number	11
Jurisdiction	CAPE GIRARDEAU MO
Township / Civil Division	RANDOL
Census Block Group	5
Census Block	5014
Census Tract	880600

Owner

645 Winding Ridge Dr is owned and occupied by two individuals who acquired it in March 2018.

Source: Cape Girardeau County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	645 WINDING RIDGE DR, JACKSON, MO 63755-8848
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
May 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage ALLIANCE BANK
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLIANCE BANK
Aug 5, 2020	Warranty Deed, Transfer · Line of Credit ALLIANCE BK
Jun 17, 2019	Loan Modification, Mortgage ALLIANCE BK
Aug 30, 2018	Trustee's Deed, Construction Loan · Line of Credit ALLIANCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2018
Deed Sale	Mar 13, 2018
Deed Document Number	20182206
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE GIRARDEAU MO
Property Address	645 WINDING RIDGE DR, JACKSON, MO 63755-8848
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202205541
Date	May 18, 2022
Instrument	2022-05541

Lender

Name	ALLIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE GIRARDEAU MO
Property Address	645 WINDING RIDGE DR, JACKSON, MO 63755-8848
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202101716
Date	Feb 8, 2021
Instrument	2021-01716

Lender

Name	ALLIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAPE GIRARDEAU MO
Recording Date	Aug 5, 2020
Property Address	645 WINDING RIDGE DR, JACKSON, MO 63755-8848
Document Number	0000009279
Instrument Date	Aug 3, 2020
Instrument	9279
Transaction Type	Transfer
Record Updated	Aug 20, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 WINDING RIDGE DR JACKSON MO 637558848, JACKSON, MO 63755-8848

Mortgage

Document Number	9280
Date	Aug 5, 2020
Instrument	9280

Lender

Name	ALLIANCE BK
Type	Bank
Address	CAPE GIRARDEAU, MO 63701

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CAPE GIRARDEAU MO
Property Address	645 WINDING RIDGE DR, JACKSON, MO 63755-8848
Document Number	0000005386
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	204 CEDAR CREEK LN JACKSON MO 637558643, JACKSON, MO 63755-8643

Mortgage

Document Number	0000005386
Date	Jun 17, 2019
Instrument	5386

Lender

Name	ALLIANCE BK
Type	Bank
Address	CAPE GIRARDEAU, MO 63702

Agreement

Amount	Amount on Record

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CAPE GIRARDEAU MO
Recording Date	Aug 30, 2018
Property Address	645 WINDING RIDGE DR, JACKSON, MO 63755-8848
Instrument Date	Aug 29, 2018
Instrument	8767
Transaction Type	Construction Loan
Record Updated	Sep 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 WINDING RIDGE DR JACKSON MO 63755, JACKSON, MO 63755

Mortgage

Document Number	0000008767
Date	Aug 30, 2018
Instrument	8767

Lender

Name	ALLIANCE BK
Type	Bank
Address	CAPE GIRARDEAU, MO 63702

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 645 Winding Ridge Dr was $6,609.

Source: Cape Girardeau County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Cape Girardeau County
Unified School District	Jackson R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$145,270 (-) Land $15,160 Building $130,110	$764,568 (-) Land $79,800 Building $684,768
2025	$6,609.00	$145,270 Land $15,160 Building $130,110	$764,568 Land $79,800 Building $684,768
2023	$6,282.00	$138,350 Land $14,440 Building $123,910	$728,160 Land $76,000 Building $652,160

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

Flood

FEMA maps place 645 Winding Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 19, 2016 · 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

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 645 Winding Ridge Dr is low, with a 0.02% annual chance of 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	0.02% 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	CAPE PERRY COUNTY PWSD 1 SOUTH serves 8,545 people · EPA ID MO4024096
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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