910 Penny Ln, Fulton, MO 65251 Property Records

Callaway County property record for 910 Penny Ln, Fulton, MO 65251

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,176 sqft · built 1979
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Trust Names on File
Last Sale	$119,900 (Apr 2018)
Tax Bill	$1,446 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`13-04.0-19.0-40-004-020.000`

Property Details

APN / Parcel Number

Primary APN	`13-04.0-19.0-40-004-020.000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Geodesic/Dome
Roof Material	Fiberglass
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	12 ft deep x 9.2 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	250 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1304019040004020000
Street Address	910 PENNY LN
City	FULTON
State	MO
Zip	65251-1321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 BLOCK B COTE SAN DESSEIN ADDN. & PT NE SE
Legal Range	09W
Legal Township	47N
Legal Section	19
Legal Subdivision	COTE SANS DESSEIN
Legal Block	B
Legal Lot Number	19
Jurisdiction	CALLAWAY MO
Township / Civil Division	WEST FULTON
Census Block Group	5
Census Block	5008
Census Tract	70400

Owner

910 Penny Ln is owner-occupied and held in a trust since February 2025.

Source: Callaway County records, as of January 15, 2026

Owner of Record	2 Trust Names on File
Mailing Address	910 PENNY LN, FULTON, MO 65251-1321
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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 12, 2018	Deed of Trust, Mortgage CALLAWAY BANK
Oct 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CALLAWAY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2018 · Amount on File
Deed Sale	Apr 12, 2018 · Amount on File
Prior Sale	Oct 9, 2012 · Amount on File
Deed Document Number	20182140
Deed Book / Page	471 / 821
Last Transfer Date	Feb 10, 2025
Transfer Doc	000518/222
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	910 PENNY LN, FULTON, MO 65251-1321
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000240/0000000475
Date	Apr 12, 2018
Book Page	0000000240/0000000475
Instrument	201802141

Lender

Name	CALLAWAY BANK

Agreement

Amount	Amount on Record
Term	177 Months
Due	Jan 1, 2033

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	910 PENNY LN, FULTON, MO 65251-1321
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	245/154
Date	Oct 1, 2020
Book Page	245/154
Instrument	202006988

Lender

Name	CALLAWAY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 910 Penny Ln was $1,446, down 0.1% from the year before.

Source: Callaway County assessment roll, as of January 15, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Callaway County
Municipality	Fulton City
Unified School District	Fulton 58 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,446.00 (-0.07%)	$23,408 (-)	$123,200 (-)
2024	$1,447.00 (+0.49%)	$23,408 (-)	$123,200 (-)
2023	$1,440.00 (+5.03%)	$23,408 (+2.07%)	$123,200
2022	$1,371.00	$22,933 Land $6,088 Building $16,845
2021			$120,700 Land $32,040 Building $88,660

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

FEMA maps place 910 Penny Ln in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 5, 2012 · 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	3 in force
Nearby Flood Claims	17 (1978–2016)
Claims Outside the SFHA	1 of 17
Most Recent Claim	Aug 2016 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 3 claims Severe Storms & Flooding, Sep 1993 · 4 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

Wildfire risk around 910 Penny Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	FULTON PWS serves 12,600 people · EPA ID MO3010296
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Callabyte Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
FireServe Fixed Wireless · not low latency	100 / 50

May also be available: Wisper ISP.

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