16 Smoke Tree Ln, Westphalia, MO 65085 Property Records

Osage County property record for 16 Smoke Tree Ln, Westphalia, MO 65085 · Last verified January 2026

Property Summary

Property Type	Rural Home
Details	3 bd · 2,358 sqft · built 1967
Lot Size	6.04 acres (263,102 sqft)
Owner	Individual Name on File
Tax Bill	$901 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-90-32-00-000-0004.00`

Property Details

APN / Parcel Number

Primary APN	`12-90-32-00-000-0004.00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,358 sqft Adjusted Area

Exterior

Year Built	Built 1967
Construction Type	Frame
Lot Area	263,102 sqft (6.04 acres)
Garage Area	720 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	12903200000000400
Street Address	16 SMOKE TREE LN
City	WESTPHALIA
State	MO
Zip	65085-2152
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SE PT NW 1/4 NW 1/4 SEC 32 T43N R10W
Jurisdiction	OSAGE MO
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1032
Census Tract	490300

Owner

Source: Osage County records · APN 12-90-32-00-000-0004.00

Assessment roll updated May 31, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	16 SMOKE TREE LN, WESTPHALIA, MO 65085-2152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 07, 2025	Deed of Trust, Mortgage · Conventional Mortgage MID AMERICA BANK
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit LEGENDS BANK
Sep 03, 2025	Warranty Deed, Transfer · Closed-End Mortgage MID AMERICA BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 03, 2025
Deed Sale	Sep 03, 2025
Prior Sale	Nov 14, 2008
Deed Document Number	0000061636
Deed Book / Page	616 / 36
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSAGE MO
Property Address	16 SMOKE TREE LN, WESTPHALIA, MO 65085-2152
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SMOKE TREE LN, WESTPHALIA, MO 65085-2152

Mortgage

Document Number	0000618/95
Date	Nov 07, 2025
Book Page	618/95
Instrument	20252002

Lender

Name	MID AMERICA BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSAGE MO
Property Address	16 SMOKE TREE LN, WESTPHALIA, MO 65085-2152
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SMOKE TREE LN, WESTPHALIA, MO 65085-2152

Mortgage

Document Number	000591/172
Date	Jul 28, 2023
Book Page	591/172
Instrument	20231139

Lender

Name	LEGENDS BANK
Type	Bank
Address	LINN, MO 65051

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 14, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSAGE MO
Recording Date	Sep 03, 2025
Property Address	16 SMOKE TREE LN, WESTPHALIA, MO 65085-2152
Document Number	0000616/36
Book / Page	616 / 36
Instrument Date	Aug 29, 2025
Instrument	20251573
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	MIDWEST TITLE AND ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SMOKE TREE LN, WESTPHALIA, MO 65085-2152

Mortgage

Document Number	0020251574
Date	Sep 03, 2025
Instrument	20251574

Lender

Name	MID AMERICA BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Aug 29, 2026

Tax Assessment & Valuation

Source: Osage County records · Assessment roll updated May 31, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Osage County
Unified School District	Osage County R-III School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$901.00 (+9.21%)	$18,902 (+10.41%)	$99,756 (+10.38%) Land $12,621 Building $87,135
2024		$17,120 (-)	$90,375 (-) Land $11,161 Building $79,214
2023	$825.00	$17,120	$90,375 Land $20,181 Building $70,194

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osage County (29151C), updated September 19, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291514903001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force
Nearby Flood Claims	9 (1986–2022)
Claims Outside the SFHA	1 of 9
Most Recent Claim	May 2022, river or lake flooding
Claims By Storm	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 46% of Missouri
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 5 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)	Low Latency
Wisper ISP	Fixed Wireless	400 / 30	Yes
Wave Internet Technologies	Fixed Wireless (unlicensed)	100 / 100	Yes
Whittrio	Fixed Wireless (unlicensed)	100 / 50	No

Availability varies by address; speeds are provider-advertised maximums, not measured.

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