101 N 2nd St, Elmo, MO 64445 Property Records

Nodaway County property record for 101 N 2nd St, Elmo, MO 64445

Property Summary

Property Type	Single Family Home
Details	2 bd · 983 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Tax Bill	$491 (2025)
Deeds & Mortgages	May 2025 Line of Credit Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8-4-20-2-10-1`

Property Details

APN / Parcel Number

Primary APN	`8-4-20-2-10-1`
Alternative APN	`80-42-00-21-00-1000`

Interior

Bedrooms	2 Beds
Total Rooms	5 Rooms
Building Area	983 sqft Base Area

Exterior

Year Built	Built 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	50 ft deep x 140 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	101 N 2ND ST
City	ELMO
State	MO
Zip	64445-8189
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 17 & 18, BLOCK 4, ORIGINAL TOWN OF ELMO, NOD. CO., MO
Legal Block	4
Legal Lot Number	17-18
Jurisdiction	NODAWAY MO
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2096
Census Tract	470100

Owner

Source: Nodaway County records, as of January 14, 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
Mailing Address	101 N 2ND ST, ELMO, MO 64445-8189
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY 1ST CU
Apr 10, 2023	Warranty Deed, Transfer · Seller Carry-Back AVANELL HERBST
Nov 21, 2017	Warranty Deed, Construction Loan · Construction Mortgage VIOLA GUMM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2017
Deed Sale	Nov 21, 2017
Deed Document Number	2017-2996
Deed Book / Page	960 / 113
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NODAWAY MO
Property Address	101 N 2ND ST, ELMO, MO 64445-8189
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 N 2ND ST, ELMO, MO 64445-8189

Mortgage

Document Number	001056/149
Date	May 15, 2025
Book Page	1056/149
Instrument	20250864

Lender

Name	COMMUNITY 1ST CU
Type	Credit Union
Address	OTTUMWA, IA 52501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Apr 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NODAWAY MO
Recording Date	Apr 10, 2023
Property Address	101 N 2ND ST, ELMO, MO 64445-8189
Document Number	0001047/34
Book / Page	1047 / 34
Instrument Date	Apr 10, 2023
Instrument	20230546
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NODAWAY COUNTY ABSTRACT AND, NODAWAY COUNTY ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 N 2ND ST, ELMO, MO 64445-8189

Mortgage

Document Number	0020230547
Date	Apr 10, 2023
Instrument	20230547

Lender

Name	AVANELL HERBST
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

November 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	NODAWAY MO
Recording Date	Nov 21, 2017
Property Address	101 N 2ND ST, ELMO, MO 64445-8189
Document Number	000960/113
Book / Page	960 / 113
Instrument Date	Nov 21, 2017
Instrument	2017-2996
Transaction Type	Construction Loan
Record Updated	Jun 30, 2026
Title Company	NODAWAY COUNTY ABSTRACT AND, NODAWAY COUNTY ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 N 2ND ST, ELMO, MO 64445-8189

Mortgage

Document Number	0020172997
Date	Nov 21, 2017
Instrument	2017-2997

Lender

Name	VIOLA GUMM
Type	Private Party

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	May 15, 2018

Tax Assessment & Valuation

Source: Nodaway County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Nodaway County
County Subdivision	Lincoln Township
Municipality	Elmo City
Unified School District	West Nodaway County R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$491.00 (+11.85%)	$5,720 (+6.32%) Land $240 Building $5,480	$30,110 (+6.36%) Land $1,280 Building $28,830
2023	$439.00	$5,380 Land $240 Building $5,140	$28,310 Land $1,280 Building $27,030

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 January 21, 2020 · 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 94% of the US · lower than 91% 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	ELMO PWS serves 169 people · EPA ID MO1010249
Water Source	Purchased surface water from SOUTHWEST REG WATER DISTRICT (CLARINDA)
Last State Inspection	Dec 2022
Also Mapped Here	NODAWAY COUNTY PWSD 1
Lead	Under 1 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	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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IAMO Telephone Company Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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