304 N Elm, Emma, MO 65327 Property Records

Lafayette County property record for 304 N Elm, Emma, MO 65327

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,232 sqft · built 1977
Lot Size	0.294 acres (12,798 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,333 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-1.0-01-0-000-021.000`

Property Details

APN / Parcel Number

Primary APN	`19-1.0-01-0-000-021.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
Basement Area	1,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,798 sqft (0.294 acres)
Lot Dimensions	128 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	304 N ELM
City	EMMA
State	MO
Zip	65327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SE1/4; 585-413, 2019DR3644, 2021DR2059, 2021DR3292, 2021DR5036
Legal Range	24
Legal Township	48
Legal Section	01
Jurisdiction	LAFAYETTE MO
Township / Civil Division	FREEDOM
Census Block Group	2
Census Block	2007
Census Tract	90500

Owner

Source: Lafayette County records, as of May 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	PO BOX 3, EMMA, MO 65327-0003
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMETAP EQUITY PARTNERS LLC
Sep 17, 2021	Deed, Transfer
Apr 23, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 19, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 17, 2021
Transfer Doc	2021DR5036
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Recording Date	Apr 13, 2026
Property Address	304 N ELM, EMMA, MO 65327
Document Number	2026DR1491
Instrument Date	Apr 6, 2026
Instrument	20261491
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	GOOD OWNER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N ELM, EMMA, MO 65327
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001491,
Date	Apr 13, 2026
Instrument	20261491

Lender

Name	HOMETAP EQUITY PARTNERS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Sep 17, 2021
Property Address	304 N ELM, EMMA, MO 65327
Document Number	2021DR5036
Instrument Date	Sep 17, 2021
Instrument	2021DR5036
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 NE ANDEON ST, GRAIN VALLEY, MO 64029-4202

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Apr 23, 2021
Property Address	304 N ELM, EMMA, MO 65327
Document Number	2021DR2059
Instrument Date	Apr 23, 2021
Instrument	2021DR2059
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
Address	304 N ELM ST, EMMA, MO 65327
Investor	Possibly a Property Investor

Mortgage

Document Number	2021DR2060
Date	Apr 23, 2021
Instrument	2021DR2060

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Sep 19, 2019
Property Address	304 N ELM, EMMA, MO 65327
Document Number	2019DR3644
Instrument Date	Sep 17, 2019
Instrument	2019DR3644
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Lafayette County
Municipality	Emma City
Unified School District	Concordia R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,333.00 (+12.97%)	$20,930 (+14%)	$110,160 (+14%) Land $9,100 Building $101,060
2024	$1,180.00
2023		$18,360	$96,630 Land $7,980 Building $88,650

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 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% 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	PETTIS/JOHNSON/SALINE PWSD 1 serves 1,000 people · EPA ID MO3021332
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
Treatment and Procedure	None last 10 years
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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Green Hills Technologies Cable	250 / 20

May also be available: T-Mobile.

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