103 N Main St, Gallatin, MO 64640 Property Records

Daviess County property record for 103 N Main St, Gallatin, MO 64640

Property Summary

Property Type	Commercial
Details	2,825 sqft · built 1903
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Tax Bill	$643 (2025)
Deeds & Mortgages	Feb 2025 Line of Credit Mar 2012 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-4.2-20-2-08-15`

Property Details

APN / Parcel Number

Primary APN	`15-4.2-20-2-08-15`

Interior

Stories	1 Story
Building Area	2,825 sqft Total Area

Exterior

Year Built	Built 1903
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	115 ft deep x 29.2 ft wide

Location & Zoning

Street Address	103 N MAIN ST
City	GALLATIN
State	MO
Zip	64640-1151
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ALL OF THE NORTH HALF OF LOT 12, IN BLK 3W & 2S IN THE ORIGINAL TOWN NOW CITY OF GALLATIN AND SO MUCH OF THE NORTH SIDE OF TH
Legal Block	3W-2S
Legal Lot Number	12
Jurisdiction	DAVIESS MO
Township / Civil Division	UNION
Census Block Group	3
Census Block	3019
Census Tract	470200

Owner

103 N Main St, a commercial property, is owned by two individuals who acquired it in February 2025.

Source: Daviess County records, as of January 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	32011 E HARRIS POTTS RD, OAK GROVE, MO 64075-7027
Owner Type	Individual

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
Feb 25, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS BANK OF NORTHERN MISSOURI
Mar 5, 2012	Deed of Trust, Mortgage · Commercial Mortgage BTC BANK
Feb 25, 2025	Warranty Deed, Transfer DAVIESS COUNTY LAND TITLE LLC, DAVIESS CNTY LAND TITLE LLC
Jan 5, 2017	Warranty Deed, Transfer GRAND RIV TITLE INC, GRAND RIVER TITLE INC
Mar 5, 2012	Warranty Deed, Transfer
Dec 14, 2007	Joint Tenancy Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2025
Deed Sale	Feb 25, 2025
Prior Sale	Mar 5, 2012
Deed Document Number	0000412144
Deed Book / Page	373 / 253
Prior Transfer Date	Jan 5, 2017
Prior Transfer Doc	20170018
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS MO
Property Address	103 N MAIN ST, GALLATIN, MO 64640-1151
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	DAVIESS COUNTY LAND TITLE LLC, DAVIESS CNTY LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32011 E HARRIS POTTS RD, OAK GROVE, MO 64075-7027

Mortgage

Document Number	0000328/62
Date	Feb 25, 2025
Book Page	328/62
Instrument	20250291

Lender

Name	FARMERS BANK OF NORTHERN MISSOURI
Type	Bank
Address	GALLATIN, MO 64640

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 25, 2040

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS MO
Property Address	103 N MAIN ST, GALLATIN, MO 64640-1151
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31870 240TH ST, GALLATIN, MO 64640-8036

Mortgage

Document Number	0000256/39
Date	Mar 5, 2012
Book Page	256/39

Lender

Name	BTC BANK
Type	Seller
Address	PO BOX 35, GALLATIN, MO 64640

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 2, 2022

Interest

Rate Type	Fixed Rate

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIESS MO
Recording Date	Feb 25, 2025
Property Address	103 N MAIN ST, GALLATIN, MO 64640-1151
Document Number	000412/144
Book / Page	412 / 144
Instrument Date	Feb 24, 2025
Instrument	20250290
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	DAVIESS COUNTY LAND TITLE LLC, DAVIESS CNTY LAND TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32011 E HARRIS POTTS RD, OAK GROVE, MO 64075-7027

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIESS MO
Recording Date	Jan 5, 2017
Property Address	103 N MAIN ST, GALLATIN, MO 64640-1151
Document Number	000373/253
Book / Page	373 / 253
Instrument Date	Jan 3, 2017
Instrument	20170018
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	GRAND RIV TITLE INC, GRAND RIVER TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIESS MO
Recording Date	Mar 5, 2012
Property Address	103 N MAIN ST, GALLATIN, MO 64640-1151
Document Number	0000351/62
Book / Page	351 / 62
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	MO

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2007: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	DAVIESS MO
Recording Date	Dec 14, 2007
Property Address	103 N MAIN ST, GALLATIN, MO 64640-1151
Document Number	000331/181
Book / Page	331 / 181
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1507 S PROSPECT ST, GALLATIN, MO 64640-8040

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	31870 240TH ST, GALLATIN, MO 64640-8036

Tax Assessment & Valuation

The 2025 property tax bill for 103 N Main St was $643.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Daviess County
County Subdivision	Union Township
Municipality	Gallatin City
Unified School District	Gallatin R-V School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$643.00	$8,444 Land $646 Building $7,798	$26,390 Land $2,020 Building $24,370
2023	$648.00	$8,256 Land $554 Building $7,702	$25,800 Land $1,730 Building $24,070

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

Flood

FEMA maps place 103 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 103 N Main St is low, with a 0.01% 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	0.01% 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	GALLATIN PWS serves 1,821 people · EPA ID MO1010299
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-States Services Fiber	2,000 / 2,000
Windstream Fiber · DSL	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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