809 Cottage Rd, Bonne Terre, MO 63628 Property Records

St. Francois County property record for 809 Cottage Rd, Bonne Terre, MO 63628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1978
Lot Size	0.517 acres (22,521 sqft)
Owner	Individual Name on Record
Tax Bill	$1,464 (2025)
Deeds & Mortgages	Jul 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-60-23-01-001-0002.00`

Property Details

APN / Parcel Number

Primary APN	`07-60-23-01-001-0002.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft
Basement Area	1,276 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Split Entry
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Lot Area	22,521 sqft (0.517 acres)
Lot Dimensions	194 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	12 sqft
Patio Area	980 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	076023010010002.00
Street Address	809 COTTAGE RD
City	BONNE TERRE
State	MO
Zip	63628-4001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIFTH ADD LAKEWOOD SUB LOT 4 BLOCK 6
Legal Range	04
Legal Township	37
Legal Section	23
Legal Subdivision	FIFTH ADD LAKEWOOD SUB
Legal Block	6
Legal Lot Number	4
Jurisdiction	ST FRANCOIS MO
Township / Civil Division	PERRY
Census Block Group	4
Census Block	4048
Census Tract	950300

Owner

Source: St. Francois County records, as of January 12, 2026

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
Co-owner	Co-owner on Record
Mailing Address	809 COTTAGE RD, BONNE TERRE, MO 63628-4001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2025
Deed Sale	Jul 10, 2025
Deed Document Number	0020149303
Deed Book / Page	2014 / 9303
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST FRANCOIS MO
Recording Date	Jul 10, 2025
Property Address	809 COTTAGE RD, BONNE TERRE, MO 63628-4001
Document Number	2025R05103
Map Reference	MB 13 PG 26
Instrument Date	Jul 7, 2025
Instrument	2025R-05103
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 EDWARDS LN, PARK HILLS, MO 63601-2327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 COTTAGE RD, BONNE TERRE, MO 63628-4001

Mortgage

Document Number	2025R05104
Date	Jul 10, 2025
Instrument	2025R-05104

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Francois County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Bonne Terre City
County	St. Francois County
Unified School District	North St. Francis County R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,464.00 (+10.99%)	$24,830 (+11.6%) Land $3,510 Building $21,320	$130,700 (+11.59%) Land $18,480 Building $112,220
2023	$1,319.00 (-0.6%)	$22,250 (-) Land $3,510 Building $18,740	$117,130 (-) Land $18,480 Building $98,650
2022	$1,327.00	$22,250 Land $3,510 Building $18,740
2021			$117,130 Land $18,480 Building $98,650

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 16, 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 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BONNE TERRE PWS serves 3,537 people · EPA ID MO4010087
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	13 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Oct 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 54 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
Verizon Fixed Wireless	300 / 20