404 Penzance St, Monett, MO 65708 Property Records

Lawrence County property record for 404 Penzance St, Monett, MO 65708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,273 sqft · built 2017
Lot Size	1.45 acres (63,162 sqft)
Owner	Individual Name on File
Last Sale	$159,100 (Apr 2021)
Tax Bill	$1,182 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`189030003001029000`

Property Details

APN / Parcel Number

Primary APN	`189030003001029000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,273 sqft Living Area
1st Floor Area	1,273 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	63,162 sqft (1.45 acres)
Total Buildings	5 Buildings

Location & Zoning

Street Address	404 PENZANCE ST
City	MONETT
State	MO
Zip	65708-1085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 120 RIDGEMONT MEADOWS PHS 3 - MONETT EX LT 112,113,114,115,116,117,118,119,121,122,135
Legal Range	27
Legal Township	26
Legal Section	30
Legal Subdivision	RIDGEMONT MEADOWS
Legal Lot Number	112-122
Jurisdiction	LAWRENCE MO
Township / Civil Division	PIERCE
Census Block Group	1
Census Block	1026
Census Tract	470401

Owner

404 Penzance St is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	404 PENZANCE ST, MONETT, MO 65708-1085
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
Apr 12, 2017	Deed of Trust, Mortgage GUARANTY BANK
Jun 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage MID MISSOURI BANK
Apr 15, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME MORTGAGE GROUP
Jul 31, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2021 · Amount on File
Deed Sale	Apr 15, 2021 · Amount on File
Prior Sale	Jul 31, 2020 · Amount on File
Deed Document Number	20212206
Deed Book / Page	457 / 2198
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	404 PENZANCE ST, MONETT, MO 65708-1085
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00453/1550
Date	Apr 12, 2017
Book Page	453/1550
Instrument	2017-00001693

Lender

Name	GUARANTY BANK
Type	Bank
Address	SPRINGFIELD, MO 65807

Agreement

Amount	Amount on Record

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	404 PENZANCE ST, MONETT, MO 65708-1085
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00454/2676
Date	Jun 19, 2018
Book Page	454/2676
Instrument	2018-00002773

Lender

Name	MID MISSOURI BANK
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE MO
Recording Date	Apr 15, 2021
Property Address	404 PENZANCE ST, MONETT, MO 65708-1085
Document Number	00457/2198
Book / Page	457 / 2198
Instrument Date	Apr 9, 2021
Instrument	2021-00002206
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 PENZANCE ST, MONETT, MO 65708-1085

Mortgage

Document Number	0004572199
Date	Apr 15, 2021
Instrument	457/2199

Lender

Name	HOME MORTGAGE GROUP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE MO
Recording Date	Jul 31, 2020
Property Address	404 PENZANCE ST, MONETT, MO 65708-1085
Document Number	00456/3733
Book / Page	456 / 3733
Instrument Date	Jul 31, 2020
Instrument	2020-00003765
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 PENZANCE ST, MONETT, MO 65708-1085

Mortgage

Document Number	0004563734
Date	Jul 31, 2020
Instrument	456/3734

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 404 Penzance St was $1,182, up 0.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Lawrence County
Municipality	Monett City
Unified School District	Monett R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$24,350 (-) Land $3,150 Building $21,200
2025	$1,182.00 (+0.08%)	$24,350 Land $3,150 Building $21,200	$117,158
2024	$1,181.00 (+15.33%)
2023	$1,024.00 (+1.19%)	$22,260 Land $3,150 Building $19,110	$117,158
2022	$1,012.00

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 404 Penzance St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 16, 2006 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2021 · 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 Penzance St is low, with a 0.04% annual chance of 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 73% of Missouri
Wildfire Likelihood	0.04% 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	MONETT PWS serves 9,789 people · EPA ID MO5010537
Water Source	Groundwater
Last State Inspection	Jun 2024
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	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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ozark Fiber Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Wisper ISP Fixed Wireless	400 / 30

May also be available: Net Vision Communications.

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