101 Oak St, Elmo, MO 64445 Property Records

Nodaway County property record for 101 Oak St, Elmo, MO 64445

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,717 sqft · built 1910
Lot Size	0.639 acres (27,878 sqft)
Owner	Individual Name on Record
Tax Bill	$791 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8-4-20-2-2-1`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Building Area	1,717 sqft Base Area

Exterior

Year Built	Built 1910
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	27,878 sqft (0.639 acres)
Lot Dimensions	140 ft deep x 200 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	101 OAK ST
City	ELMO
State	MO
Zip	64445-8191
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAMAR'S SECOND ADD LOTS 1-4 INC. BLK 2 ELMO, MO
Legal Subdivision	LAMARS SECOND ADD
Legal Block	2
Legal Lot Number	1-4
Jurisdiction	NODAWAY MO
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2093
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
Co-owner	Co-owner on Record
Mailing Address	101 OAK ST, ELMO, MO 64445-8191
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Deed of Trust, Mortgage · Line of Credit THE NODAWAY VALLEY BANK
Dec 31, 2020	Warranty Deed, Transfer · Conventional Mortgage THE NODAWAY VALLEY BANK
Jul 28, 2017	Deed of Trust, Mortgage · Line of Credit THE NODAWAY VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020
Deed Sale	Dec 31, 2020
Deed Document Number	2020-3322
Deed Book / Page	1024 / 113
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NODAWAY MO
Property Address	101 OAK ST, ELMO, MO 64445-8191
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 OAK ST, ELMO, MO 64445-8191

Mortgage

Document Number	001046/390
Date	Feb 27, 2023
Book Page	1046/390
Instrument	20230306

Lender

Name	THE NODAWAY VALLEY BANK
Type	Bank
Address	MARYVILLE, MO 64468

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NODAWAY MO
Recording Date	Dec 31, 2020
Property Address	101 OAK ST, ELMO, MO 64445-8191
Document Number	1024/113
Book / Page	1024 / 113
Instrument Date	Dec 30, 2020
Instrument	2020-3322
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	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 OAK ST, ELMO, MO 64445-8191

Mortgage

Document Number	20203323
Date	Dec 31, 2020
Instrument	2020-3323

Lender

Name	THE NODAWAY VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NODAWAY MO
Property Address	101 OAK ST, ELMO, MO 64445-8191
Transaction Type	Mortgage
Record Updated	Aug 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-1891
Date	Jul 28, 2017
Book Page	953/066
Instrument	2017-1891

Lender

Name	THE NODAWAY VALLEY BANK
Type	Bank
Address	MARYVILLE, MO 64468

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$791.00 (+11.88%)	$9,210 (+6.35%) Land $460 Building $8,750	$48,450 (+6.32%) Land $2,420 Building $46,030
2023	$707.00	$8,660 Land $460 Building $8,200	$45,570 Land $2,420 Building $43,150

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	Moderate above 48% of the US · above 63% of Missouri
Wildfire Likelihood	0.09% 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	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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