404 Oak St, Lincoln, MO 65338 Property Records

Benton County property record for 404 Oak St, Lincoln, MO 65338

Property Summary

Property Type	Single Family Home
Details	1,344 sqft · built 1965
Lot Size	0.346 acres (15,080 sqft)
Owner	Individual Name on File
Tax Bill	$813 (2025)
Deeds & Mortgages	May 2023 Mortgage Feb 2018 Refinance
Flood Zone	Zone X (minimal risk)
APN	`068027001005005000`

Property Details

APN / Parcel Number

Primary APN	`068027001005005000`

Interior

Building Area	1,344 sqft Base Area
Flooring	Wood

Exterior

Year Built	Built 1965
Exterior Material	Metal
Foundation Type	Concrete
Lot Area	15,080 sqft (0.346 acres)
Lot Dimensions	188 ft deep x 80 ft wide
Utility Building	252 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	404 OAK ST
City	LINCOLN
State	MO
Zip	65338-1043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 3, BLK. 1, MCCANDLESS ADD. LINCOLN CITY
Legal Subdivision	MCCANDLESS ADD
Legal Block	1
Legal Lot Number	3
Jurisdiction	BENTON MO
Township / Civil Division	WHITE
Census Block Group	2
Census Block	2030
Census Tract	460200

Owner

404 Oak St is owned and occupied by an individual who acquired it in March 2014.

Source: Benton County records, as of November 24, 2025

Owner of Record	Individual Name on File
Mailing Address	404 OAK ST, LINCOLN, MO 65338-1043
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
May 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Feb 14, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance EQUITABLE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2012
Deed Sale	Nov 1, 2012
Prior Sale	Nov 1, 2012
Deed Document Number	00617/1375
Deed Book / Page	617 / 1375
Last Transfer Date	Mar 14, 2014
Transfer Doc	00625/2681
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MO
Property Address	404 OAK ST, LINCOLN, MO 65338-1043
Transaction Type	Mortgage
Record Updated	Oct 13, 2023
Title Company	NOT AVAILABLE, DRAKE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 OAK ST, LINCOLN, MO 65338-1043

Mortgage

Document Number	02023/1675
Date	May 3, 2023
Book Page	2023/1675
Instrument	20231675

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MO
Property Address	404 OAK ST, LINCOLN, MO 65338-1043
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	DRAKE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00648/2502
Date	Feb 14, 2018
Book Page	648/2502
Instrument	18-620

Lender

Name	EQUITABLE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 404 Oak St was $813.

Source: Benton County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$813.00	$12,580	$66,220 Land $6,910 Building $59,310
2023		$11,330	$59,632
2022	$732.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 Oak 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 June 2, 2009 · 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)
Most Recent Claim	Jun 2008 · rainfall accumulation

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

Wildfire risk around 404 Oak St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LINCOLN PWS serves 1,100 people · EPA ID MO3010469
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Co-Mo Connect Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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