216 W Main St, Westphalia, MO 65085 Property Records

Osage County property record for 216 W Main St, Westphalia, MO 65085

Property Summary

Property Type	Rural Home
Details	4 bd · 1,881 sqft · built 1940
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$281,960 (Nov 2025)
Tax Bill	$271 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-70-26-02-002-0005.00`

Property Details

APN / Parcel Number

Primary APN	`12-70-26-02-002-0005.00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,881 sqft Adjusted Area
1st Floor Area	879 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Lot Area	25,265 sqft (0.58 acres)
Utility Building	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	12702602002000500
Street Address	216 W MAIN ST
City	WESTPHALIA
State	MO
Zip	65085-2221
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT LOT 43 PT OF ORIGINAL CITY OF WESTPHALIA SEC 26 T43N R10W
Legal Range	10W
Legal Township	43N
Legal Section	26
Legal Lot Number	43
Jurisdiction	OSAGE MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1015
Census Tract	490300

Owner

216 W Main St, a rural home, is owned by two individuals who bought it in November 2025.

Source: Osage County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	214 W MAIN ST, WESTPHALIA, MO 65085-2221
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Sep 6, 2017	Warranty Deed, Transfer · Conventional Mortgage LEGENDS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on File
Deed Sale	Nov 7, 2025 · Amount on File
Prior Sale	Sep 6, 2017 · Amount on File
Deed Document Number	20252004
Deed Book / Page	618 / 97
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSAGE MO
Property Address	216 W MAIN ST, WESTPHALIA, MO 65085-2221
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 CALIENTE CT, COLUMBIA, MO 65201-7382

Mortgage

Document Number	0000618/98
Date	Nov 7, 2025
Book Page	618/98
Instrument	20252005

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSAGE MO
Recording Date	Sep 6, 2017
Property Address	216 W MAIN ST, WESTPHALIA, MO 65085-2221
Document Number	517/0205
Book / Page	517 / 0205
Instrument Date	Sep 6, 2017
Instrument	2017-1749
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 315, WESTPHALIA, MO 65085-0315

Mortgage

Document Number	517/0206
Date	Sep 6, 2017
Book Page	517/0206
Instrument	2017-1750

Lender

Name	LEGENDS BANK
Type	Bank
Address	LINN, MO 65051

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 216 W Main St was $271.

Source: Osage County assessment roll, as of January 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,456 (-)	$28,716 (-)
2025	$271.00	$5,456	$28,716 Land $10,080 Building $18,636
2023	$245.00	$4,899	$25,782 Land $10,520 Building $15,262

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 216 W Main St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer, effective September 19, 2012 · 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 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 Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Jul 1993 · 2 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

Wildfire risk around 216 W Main St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OSAGE COUNTY PWSD 2 NORTH serves 705 people · EPA ID MO3024438
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	6 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
FireServe Fixed Wireless · not low latency	100 / 50

May also be available: AT&T, Verizon.

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