305 W 3rd St, Alma, MO 64001 Property Records

Lafayette County property record for 305 W 3rd St, Alma, MO 64001

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,040 sqft · built 1911
Lot Size	0.349 acres (15,198 sqft)
Owner	2 Individual Names on File
Last Sale	$54,100 (Jun 2020)
Tax Bill	$742 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-8.0-28-1-000-035.000`

Property Details

APN / Parcel Number

Primary APN	`07-8.0-28-1-000-035.000`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,040 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,198 sqft (0.349 acres)
Lot Dimensions	190 ft deep x 80 ft wide
Porch	Slab
Porch Area	80 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	305 W 3RD ST
City	ALMA
State	MO
Zip	64001-6908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 9 ORIGINAL TOWN ALMA; 654-124, 846-1053, 849-947, 891-770, 968-618, 2018DR3265, 2020DR2351
Legal Range	24
Legal Township	50
Legal Section	28
Legal Subdivision	ORIGINAL TOWN ALMA
Legal Block	9
Legal Lot Number	6
Jurisdiction	LAFAYETTE MO
Township / Civil Division	MIDDLETON
Census Block Group	2
Census Block	2026
Census Tract	90401

Owner

305 W 3rd St is owned and occupied by two individuals who bought it in June 2020.

Source: Lafayette County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	305 W 3RD ST, ALMA, MO 64001-6908
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
Aug 23, 2018	Deed of Trust, Mortgage CONCORDIA BANK
Jun 17, 2020	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020 · Amount on File
Deed Sale	Jun 17, 2020 · Amount on File
Deed Document Number	2020DR2351
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	305 W 3RD ST, ALMA, MO 64001-6908
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018DR3267
Date	Aug 23, 2018
Instrument	2018DR3267

Lender

Name	CONCORDIA BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	53 Months
Due	Jan 1, 2023

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Jun 17, 2020
Property Address	305 W 3RD ST, ALMA, MO 64001-6908
Document Number	2020DR2351
Instrument Date	Jun 15, 2020
Instrument	2020DR2351
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W 3RD ST, ALMA, MO 64001-6908

Mortgage

Document Number	2020DR2352
Date	Jun 17, 2020
Instrument	2020DR2352

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 305 W 3rd St was $742.

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	$742.00	$10,596	$55,770 Land $10,250 Building $45,520
2023		$9,294	$48,918 Land $8,988 Building $39,930

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 305 W 3rd 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 305 W 3rd 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

Nearby Properties on W 3rd St

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