20796 255th St, Gallatin, MO 64640 Property Records

Daviess County property record for 20796 255th St, Gallatin, MO 64640

Property Summary

Property Type	Single Family Home
Details	3 ba · 694 sqft · built 2020
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,310 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Jun 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-8.1-27-07.02`

Property Details

APN / Parcel Number

Primary APN	`10-8.1-27-07.02`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	694 sqft Living Area
Attic	Attic
Attic Area	246 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Lot Area	871,200 sqft (20 acres)

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	20796 255TH ST
City	GALLATIN
State	MO
Zip	64640-8227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N1/2 SW SE
Legal Range	27W
Legal Township	60N
Legal Section	27
Jurisdiction	DAVIESS MO
Township / Civil Division	GRAND RIVER
Census Block Group	3
Census Block	3454
Census Tract	470100

Owner

Source: Daviess County records, as of March 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	20796 255TH ST, GALLATIN, MO 64640-8227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Construction Mortgage FARMERS BANK
Jun 27, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS BANK OF NORTHERN MISSOURI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 14, 2023
Transfer Doc	0000002092
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS MO
Recording Date	Jul 17, 2026
Property Address	20796 255TH ST, GALLATIN, MO 64640-8227
Document Number	0000001237
Book / Page	337 / 20
Instrument Date	Jul 10, 2026
Instrument	20261237
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20796 255TH ST, GALLATIN, MO 64640-8227

Mortgage

Document Number	0000001237,
Date	Jul 17, 2026
Book Page	337/20
Instrument	20261237

Lender

Name	FARMERS BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 10, 2027

Interest

Max Rate	-1%

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS MO
Property Address	20796 255TH ST, GALLATIN, MO 64640-8227
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	DAVIESS COUNTY LAND TITLE LLC, DAVIESS CNTY LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20769 255TH ST, GALLATIN, MO 64640-8227

Mortgage

Document Number	0000330/42
Date	Jun 27, 2025
Book Page	330/42
Instrument	20250968

Lender

Name	FARMERS BANK OF NORTHERN MISSOURI
Type	Bank
Address	GALLATIN, MO 64640

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 13, 2045

Tax Assessment & Valuation

Source: Daviess County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Daviess County
County Subdivision	Grand River Township
Unified School District	Gallatin R-V School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,310.00 (+159.41%)	$19,389 (+166.77%) Land $2,251 Building $17,138	$104,580 (+160.99%) Land $14,380 Building $90,200
2023	$505.00	$7,268 Land $2,588 Building $4,680	$40,070 Land $15,440 Building $24,630

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	11 (1993–2007)
Most Recent Claim	May 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 10 claims

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 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.03% 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	DAVIESS COUNTY PWSD 2 serves 2,448 people · EPA ID MO1021080
Water Source	Purchased groundwater from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jun 2011
Monitoring and Reporting	2 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Windstream Fixed Wireless	100 / 10

May also be available: AT&T.

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