207 W 2nd St, Alma, MO 64001 Property Records

Lafayette County property record for 207 W 2nd St, Alma, MO 64001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1964
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$189,423 (Jun 2022)
Tax Bill	$1,319 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-8.0-28-4-001-003.000`

Property Details

APN / Parcel Number

Primary APN	`07-8.0-28-4-001-003.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,056 sqft Living Area
Basement Area	1,056 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	207 W 2ND ST
City	ALMA
State	MO
Zip	64001-6913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOTS 20 & 21 BLK 5 ORIGINAL TOWN ALMA; 447-253, 1101-1151, 2022DR2909
Legal Range	24
Legal Township	50
Legal Section	28
Legal Subdivision	ORIG TOWN OF ALMA
Legal Block	5
Legal Lot Number	20-21
Jurisdiction	LAFAYETTE MO
Township / Civil Division	MIDDLETON
Census Block Group	2
Census Block	2030
Census Tract	90401

Owner

207 W 2nd St is owned and occupied by two individuals who bought it in June 2022.

Source: Lafayette County records, as of August 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	207 W 2ND ST, ALMA, MO 64001-6913
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
Jul 28, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
Jun 8, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2022 · Amount on File
Deed Sale	Jun 8, 2022 · Amount on File
Deed Document Number	20222902
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Recording Date	Jul 28, 2026
Property Address	207 W 2ND ST, ALMA, MO 64001-6913
Document Number	0000003097
Instrument Date	Jul 27, 2026
Instrument	20263097
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 W 2ND ST, ALMA, MO 64001-6913

Mortgage

Document Number	0000003097,
Date	Jul 28, 2026
Instrument	20263097

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Jun 8, 2022
Property Address	207 W 2ND ST, ALMA, MO 64001-6913
Document Number	2022DR2902
Instrument Date	May 7, 2022
Instrument	2022DR2902
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MISC COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	207 W 2ND ST, ALMA, MO 64001-6913

Mortgage

Document Number	2022DR2903
Date	Jun 8, 2022
Instrument	2022DR2903

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 207 W 2nd St was $1,319.

Source: Lafayette County assessment roll, as of October 28, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Alma City
County	Lafayette County
Unified School District	Santa Fe R-X School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,319.00	$16,956	$89,240 Land $10,170 Building $79,070
2023		$14,874	$78,285 Land $8,925 Building $69,360

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 207 W 2nd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010

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 207 W 2nd St is low, with less than 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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	ALMA PWS serves 500 people · EPA ID MO1010009
Water Source	Purchased surface water from LAF JO SALINE COUNTY CONS PWSD 2
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Alma Telephone Company Fiber	250 / 80
Green Hills Technologies Cable	250 / 20

May also be available: Wisper ISP, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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