120 Clay St, Mexico, MO 65265 Property Records

Audrain County property record for 120 Clay St, Mexico, MO 65265

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,592 sqft · built 1900
Lot Size	0.249 acres (10,830 sqft)
Owner	Individual Name on Record
Last Sale	$189,400 (May 2026)
Tax Bill	$680 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-04870`

Property Details

APN / Parcel Number

Primary APN	`08-04870`
Alternative APNs	`19-7-26-4-021-002.000` `19-7-26-4-021-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,592 sqft Living Area
Basement Area	320 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Lot Area	10,830 sqft (0.249 acres)
Lot Dimensions	114 ft deep x 95 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	78 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	08-04870
Street Address	120 CLAY ST
City	MEXICO
State	MO
Zip	65265-2648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SURVEY 50 (95 X 114) N 114 OF W 95 OF LOT 20
Legal Lot Number	20
Jurisdiction	AUDRAIN MO
Township / Civil Division	SALT RIVER
Census Block Group	1
Census Block	1011
Census Tract	950700

Owner

Source: Audrain County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	120 CLAY ST, MEXICO, MO 65265-2648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
May 11, 2026	Warranty Deed, Construction Loan · Construction Mortgage FLAT BR MORTGAGE
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit HOMEBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Nov 1, 2022 · Amount on Record
Deed Document Number	20261068
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AUDRAIN MO
Recording Date	May 11, 2026
Property Address	120 CLAY ST, MEXICO, MO 65265-2648
Document Number	0000000320
Instrument Date	May 8, 2026
Instrument	2026320
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8590 NEW SALEM ST, 41, SAN DIEGO, CA 92126-2353
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000320,
Date	May 11, 2026
Instrument	2026320

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	AUDRAIN MO
Recording Date	May 11, 2026
Property Address	120 CLAY ST, MEXICO, MO 65265-2648
Document Number	0000001068
Instrument Date	May 8, 2026
Instrument	20261068
Transaction Type	Construction Loan
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CLAY ST, MEXICO, MO 65265-2648
Investor	Possibly a Property Investor

Mortgage

Date	May 11, 2026

Lender

Name	FLAT BR MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	0.64%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AUDRAIN MO
Property Address	120 CLAY ST, MEXICO, MO 65265-2648
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22668 AUDRAIN ROAD 812, MEXICO, MO 65265-6553

Mortgage

Document Number	2025DT000871
Date	Dec 22, 2025
Instrument	2025DT000871

Lender

Name	HOMEBANK
Type	Bank
Address	PALMYRA, MO 63461

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 18, 2035

Tax Assessment & Valuation

Source: Audrain County assessment roll, as of March 19, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Audrain County
Municipality	Mexico City
Unified School District	Mexico 59 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$680.00 (+25.23%)	$9,860 (+24.49%) Land $1,330 Building $8,530	$51,910 (-) Land $7,000 Building $44,910
2023	$543.00	$7,920 Land $1,330 Building $6,590	$51,910 Land $7,000 Building $44,910

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 5, 2010 · 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
Nearby Flood Claims	1 (1998)
Most Recent Claim	Jul 1998 · ground movement

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 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	MO AMERICAN MEXICO private · serves 13,000 people · EPA ID MO2010519
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	1 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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 438 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kingdom Networks Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, FireServe, Socket Telecom.

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