321 S West St, Mount Vernon, MO 65712 Property Records

Lawrence County property record for 321 S West St, Mount Vernon, MO 65712

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1945
Lot Size	0.144 acres (6,270 sqft)
Owner	Individual Name on File
Last Sale	$22,800 (Apr 2013)
Tax Bill	$277 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`099031002005001000`

Property Details

APN / Parcel Number

Primary APN	`099031002005001000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,270 sqft (0.144 acres)
Lot Dimensions	95 ft deep x 66 ft wide

Location & Zoning

Street Address	321 S WEST ST
City	MOUNT VERNON
State	MO
Zip	65712-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST ST,321; THE S68' OF THE N 147' OF LT 1 OF WEARS ADDN MT VERNON
Legal Range	26
Legal Township	28
Legal Section	31
Legal Subdivision	WEARS ADDN
Legal Lot Number	1
Jurisdiction	LAWRENCE MO
Township / Civil Division	MOUNT VERNON
Census Block Group	1
Census Block	1017
Census Tract	470202

Owner

321 S West St is owned by an individual who bought it in April 2013.

Source: Lawrence County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	117 W CHERRY ST, MOUNT VERNON, MO 65712-1501
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
Jun 3, 2026	Deed of Trust, Mortgage · Line of Credit MID-MISSOURI BANK 20
Feb 1, 2024	Deed of Trust, Mortgage · Commercial Mortgage OMB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2013 · Amount on File
Deed Sale	Apr 10, 2013 · Amount on File
Prior Sale	Jul 9, 2010 · Amount on File
Deed Document Number	20131853
Deed Book / Page	449 / 1695
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Recording Date	Jun 3, 2026
Property Address	321 S WEST ST, MOUNT VERNON, MO 65712-1546
Document Number	0000002972
Book / Page	2026 / 2972
Instrument Date	May 29, 2026
Instrument	20262972
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 S HICKORY ST, MOUNT VERNON, MO 65712-1822

Mortgage

Document Number	0000002972,
Date	Jun 3, 2026
Book Page	2026/2972
Instrument	20262972

Lender

Name	MID-MISSOURI BANK 20

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	321 S WEST ST, MOUNT VERNON, MO 65712-1546
Transaction Type	Mortgage
Record Updated	Feb 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 W CHERRY ST, MOUNT VERNON, MO 65712-1501

Mortgage

Document Number	000460/446
Date	Feb 1, 2024
Book Page	460/446
Instrument	2024000448

Lender

Name	OMB BANK
Type	Bank
Address	MOUNT VERNON, MO 65712

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 321 S West St was $277, up 0.4% from the year before.

Source: Lawrence County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lawrence County
Municipality	Mount Vernon City
Unified School District	Mount Vernon R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,630 (-) Land $1,580 Building $4,050
2025	$277.00 (+0.36%)	$5,630 Land $1,580 Building $4,050	$27,105
2024	$276.00 (+8.66%)
2023	$254.00 (+4.96%)	$5,150 Land $1,580 Building $3,570	$27,105
2022	$242.00

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 321 S West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective August 2, 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	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2008 · Severe Storms And 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

The area around 321 S West St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	MOUNT VERNON PWS serves 4,575 people · EPA ID MO5010553
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	3 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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