121 Pine St, Cowgill, MO 64637 Property Records

Caldwell County property record for 121 Pine St, Cowgill, MO 64637

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,392 sqft · built 1975
Lot Size	0.261 acres (11,369 sqft)
Owner	Individual Name on File
Last Sale	$154,208 (Apr 2022)
Tax Bill	$1,105 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-21-1-02-3.00`

Property Details

APN / Parcel Number

Primary APN	`10-5-21-1-02-3.00`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,392 sqft Living Area
Basement Area	816 sqft
Finished Basement	600 sqft
Unfinished Basement	216 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,369 sqft (0.261 acres)
Lot Dimensions	130 ft deep x 87.5 ft wide
Deck Area	120 sqft
Patio Area	36 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	121 PINE ST
City	COWGILL
State	MO
Zip	64637-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21-55-27 BLOCK 4 - THE S 12' OF LOT 4 AND ALL OF LOT'S 5, 6 & 7 IN TENNESSEE ADD'N TO COWGILL MO
Legal Range	27
Legal Township	55
Legal Section	21
Legal Subdivision	TENNESSEE ADD'N
Legal Block	4
Legal Lot Number	4-7
Jurisdiction	CALDWELL MO
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3063
Census Tract	950100

Owner

121 Pine St is owned and occupied by an individual who bought it in April 2022.

Source: Caldwell County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	121 PINE ST, COWGILL, MO 64637-9777
Occupancy	Owner Occupied
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
Sep 11, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 27, 2022	Warranty Deed, Transfer · FHA Mortgage NP INC
Jun 18, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2022 · Amount on File
Deed Sale	Apr 27, 2022 · Amount on File
Deed Document Number	202263237
Deed Book / Page	195 / 7574
Prior Transfer Date	Dec 5, 2014
Prior Transfer Doc	187/2085
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL MO
Property Address	121 PINE ST, COWGILL, MO 64637-9777
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 PINE ST, COWGILL, MO 64637-9777

Mortgage

Document Number	02025/1178
Date	Sep 11, 2025
Book Page	2025/1178
Instrument	69145

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	May 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL MO
Recording Date	Apr 27, 2022
Property Address	121 PINE ST, COWGILL, MO 64637-9777
Document Number	00195/7574
Book / Page	195 / 7574
Instrument Date	Apr 18, 2022
Instrument	63237
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	STEWART

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 PINE ST, COWGILL, MO 64637-9777

Mortgage

Document Number	0000063238
Date	Apr 27, 2022
Instrument	63238

Lender

Name	NP INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALDWELL MO
Recording Date	Jun 18, 2021
Property Address	121 PINE ST, COWGILL, MO 64637-9777
Document Number	187/2085
Book / Page	187 / 2085
Instrument Date	Dec 5, 2014
Instrument	61456
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 PINE ST, COWGILL, MO 64637-9777

Tax Assessment & Valuation

The 2025 property tax bill for 121 Pine St was $1,105, up 16.7% from the year before.

Source: Caldwell County assessment roll, as of January 20, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Caldwell County
County Subdivision	Lincoln Township
Municipality	Cowgill City
Elementary School District	Cowgill R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,105.00 (+16.68%)	$15,670 Land $650 Building $15,020	$82,490 Land $3,430 Building $79,060
2024	$947.00
2023		$13,990 Land $650 Building $13,340	$73,640 Land $3,430 Building $70,210

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

Flood

FEMA maps place 121 Pine St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective June 16, 2015 · 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 Claims	1 (1998)
Most Recent Claim	Jun 1998 · river or lake flooding

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 121 Pine St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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	CALDWELL COUNTY PWSD 1 serves 335 people · EPA ID MO1024078
Water Source	Groundwater
Last State Inspection	Dec 2024
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Green Hills Technologies Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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