320 E Oak St, Cowgill, MO 64637 Property Records

Caldwell County property record for 320 E Oak St, Cowgill, MO 64637

Property Summary

Property Type	Single Family Home
Details	1 ba · 632 sqft · built 1920
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$105,120 (Jul 2025)
Tax Bill	$418 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-5-21-1-05-3.00`

Property Details

APN / Parcel Number

Primary APN	`10-5-21-1-05-3.00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	632 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Deck Area	64 sqft
Patio Area	96 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	320 E OAK ST
City	COWGILL
State	MO
Zip	64637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21-55-27 BLK 3 LOT 9 LINVILLE ADD'N
Legal Range	27
Legal Township	55
Legal Section	21
Legal Subdivision	LINVILLE ADD'N
Legal Block	3
Legal Lot Number	9
Jurisdiction	CALDWELL MO
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3074
Census Tract	950100

Owner

Source: Caldwell County records, as of August 21, 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	320 E OAK ST, COWGILL, MO 64637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2025	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Aug 13, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2025 · Amount on Record
Deed Sale	Jul 23, 2025 · Amount on Record
Prior Sale	Aug 13, 2021
Deed Document Number	202568825
Deed Book / Page	2025 / 878
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL MO
Recording Date	Jul 23, 2025
Property Address	320 E OAK ST, COWGILL, MO 64637
Document Number	002025/878
Book / Page	2025 / 878
Instrument Date	Jul 17, 2025
Instrument	68825
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	THOMSON AFFINITY TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E OAKST, COWGILL, MO 64637

Mortgage

Document Number	0000068826
Date	Jul 23, 2025
Instrument	68826

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Mortgage

Document Number	002025/880
Date	Jul 23, 2025
Book Page	2025/880
Instrument	68827

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2035

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL MO
Recording Date	Aug 13, 2021
Property Address	320 E OAK ST, COWGILL, MO 64637
Document Number	00195/7134
Book / Page	195 / 7134
Instrument Date	Aug 10, 2021
Instrument	61751
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4276 SE VALLEYVIEW LN, HOLT, MO 64048-8337

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of January 20, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Caldwell County
County Subdivision	Lincoln Township
Municipality	Cowgill City
Elementary School District	Cowgill R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$418.00 (+12.37%)	$5,920 (+7.25%) Land $380 Building $5,540	$31,170 (+7.37%) Land $2,000 Building $29,170
2024	$372.00
2023		$5,520 Land $380 Building $5,140	$29,030 Land $2,000 Building $27,030

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 June 16, 2015 · 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 Claims	1 (1998)
Most Recent Claim	Jun 1998 · river or lake flooding

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 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.05% 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	CALDWELL COUNTY PWSD 1 serves 335 people · EPA ID MO1024078
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Green Hills Technologies Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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