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1320 Stephen Dr, Mount Vernon, MO 65712 Property Records

Lawrence County property record for 1320 Stephen Dr, Mount Vernon, MO 65712

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,218 sqft · built 1965
Lot Size0.276 acres (12,052 sqft)
Owner2 Individual Names on File
Last Sale$212,800 (Feb 2023)
Tax Bill$1,060 (2025)
Deeds & MortgagesNov 2022 Line of Credit
Feb 2023 Mortgage
Flood ZoneZone X (minimal risk)
APN099031004003018000

Property Details

APN / Parcel Number

Primary APN099031004003018000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,218 sqft Living Area
1st Floor Area1,218 sqft

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area12,052 sqft (0.276 acres)
Garage TypeDetached
Garage Area792 sqft
Parking Spaces3 Parking Spaces
Deck Area384 sqft

Location & Zoning

Street Address1320 STEPHEN DR
CityMOUNT VERNON
StateMO
Zip65712-2112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEPHEN DR,1320; LT 9 BLK 2 HUDSON'S S/D & THE N11' OF LT 4 GLEN CLAPP ADDN - MT VERNON
Legal Range26
Legal Township28
Legal Section31
Legal SubdivisionHUDSONS
Legal Block2
Legal Lot Number4,9
JurisdictionLAWRENCE MO
Township / Civil DivisionMOUNT VERNON
Census Block Group2
Census Block2032
Census Tract470202

Owner

Source: Lawrence County records · APN 099031004003018000

Assessment roll updated August 11, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1320 STEPHEN DR, MOUNT VERNON, MO 65712-2112
OccupancyOwner Occupied
Owner TypeIndividual
VestingEt Al (and Others)

Deeds, Mortgages & Sale History

DateDocument
Nov 23, 2022Deed of Trust, Mortgage · Line of Credit
OLD MISSOURI BANK
Feb 24, 2023Warranty Deed, Transfer · Conventional Mortgage
ARVEST BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 24, 2023 · Amount on Record
Deed SaleFeb 24, 2023 · Amount on Record
Prior SaleSep 19, 2016 · Amount on Record
Deed Document Number2023768
Deed Book / Page459 / 753
Last Transfer DateMar 17, 2023
Transfer Doc0000001060
Record UpdatedSep 20, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAWRENCE MO
Property Address1320 STEPHEN DR, MOUNT VERNON, MO 65712-2112
Transaction TypeMortgage
Record UpdatedApr 03, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address518 W MOUNT VERNON BLVD, MOUNT VERNON, MO 65712-1920

Mortgage

Document Number00458/6480
DateNov 23, 2022
Book Page458/6480
Instrument2022006554
Lender
NameOLD MISSOURI BANK
TypeBank
AddressMOUNT VERNON, MO 65712
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAWRENCE MO
Recording DateFeb 24, 2023
Property Address1320 STEPHEN DR, MOUNT VERNON, MO 65712-2112
Document Number000459/753
Book / Page459 / 753
Instrument DateFeb 24, 2023
Instrument2023000768
Transaction TypeTransfer
Record UpdatedApr 03, 2023
Title CompanyWACO TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1320 STEPHEN DR, MOUNT VERNON, MO 65712-2112

Mortgage

Document Number0000459754
DateFeb 24, 2023
Instrument459/754
Lender
NameARVEST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2053
Interest
Rate TypeAdjustable Rate
Rate5.75%
Type Change DateMar 01, 2030
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change10.7%
IndexOther
Margin3
Max Rate10.7%

Tax Assessment & Valuation

Source: Lawrence County records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMissouri
CountyLawrence County
MunicipalityMount Vernon City
Unified School DistrictMount Vernon R-V School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$21,570 (-) Land $2,360 Building $19,210
2025$1,060.00$21,570 (+9.66%) Land $2,360 Building $19,210$103,526 (-)
2024$1,060.00 (+9.05%)
2023$972.00 (+6.81%)$19,670 Land $2,360 Building $17,310$103,526
2022$910.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 2, 2012 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Brightspeed
Fiber		2,000 / 2,000
Mediacom Communications
Cable · Fiber in parts of the area		1,000 / 50
Wisper ISP
Fixed Wireless		400 / 30
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Verizon.

Based on FCC filings for 392 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemMOUNT VERNON PWS
serves 4,575 people
Water SourceGroundwater
Last State InspectionJan 2026
Lead3 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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