305 E Kelsey St, Naylor, MO 63953 Property Records

Ripley County property record for 305 E Kelsey St, Naylor, MO 63953

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,347 sqft · built 1958
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on Record
Last Sale	$198,155 (Nov 2022)
Tax Bill	$664 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-1.0-11-002-021-001.000`

Property Details

APN / Parcel Number

Primary APN	`20-1.0-11-002-021-001.000`

Interior

Full Baths	1 Bath
Building Area	2,347 sqft Adjusted Area
1st Floor Area	1,490 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Asbestos
Lot Area	10,018 sqft (0.23 acres)

Location & Zoning

Street Address	305 E KELSEY ST
City	NAYLOR
State	MO
Zip	63953-7841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NAYLOR BLK 14,LOTS 1-4,313-282,495-121,553-99,663-15
Legal Range	04E
Legal Township	22N
Legal Section	11
Legal Subdivision	TOWN NAYLOR
Legal Block	14
Legal Lot Number	1&4
Jurisdiction	RIPLEY MO
Township / Civil Division	THOMAS
Census Block Group	3
Census Block	3039
Census Tract	870400

Owner

Source: Ripley County records, as of May 18, 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 Record
Mailing Address	305 E KELSEY ST, NAYLOR, MO 63953-7841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit FIRST MIDWEST BANK OF THE OZARKS
Nov 22, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUSTED FINANCIAL SERVICES INC
Sep 17, 2009	Warranty Deed, Transfer U.S. BANK, N.A.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	Sep 17, 2009 · Amount on Record
Deed Book / Page	663 / 15
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIPLEY MO
Property Address	305 E KELSEY ST, NAYLOR, MO 63953-7841
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E KELSEY ST, NAYLOR, MO 63953-7841

Mortgage

Document Number	000657/131
Date	Jul 20, 2022
Book Page	657/131

Lender

Name	FIRST MIDWEST BANK OF THE OZARKS
Type	Bank
Address	POPLAR BLUFF, MO 63901

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIPLEY MO
Recording Date	Nov 22, 2022
Property Address	305 E KELSEY ST, NAYLOR, MO 63953-7841
Document Number	0000663/15
Book / Page	663 / 15
Instrument Date	Nov 18, 2022
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E KELSEY ST, NAYLOR, MO 63953-7841

Mortgage

Document Number	0000066316
Date	Nov 22, 2022
Instrument	663/16

Lender

Name	TRUSTED FINANCIAL SERVICES INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

September 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIPLEY MO
Recording Date	Sep 17, 2009
Property Address	305 E KELSEY ST, NAYLOR, MO 63953-7841
Document Number	000495/121
Book / Page	495 / 121
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 KELSEY ST, NAYLOR, MO 63953-7802

Mortgage

Document Number	000495/122
Date	Sep 17, 2009
Book Page	495/122

Lender

Name	U.S. BANK, N.A.
Address	4801 FREDERICA ST, OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2039

Tax Assessment & Valuation

Source: Ripley County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Ripley County
Municipality	Naylor City
Unified School District	Naylor R-II School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$664.00 (+14.68%)	$11,060 (+9.18%)	$58,200 (+9.19%) Land $2,100 Building $56,100
2023	$579.00	$10,130	$53,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 31, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 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	NAYLOR PWS serves 471 people · EPA ID MO4010557
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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