405 E Montgomery Pl, Odessa, MO 64076 Property Records

Lafayette County property record for 405 E Montgomery Pl, Odessa, MO 64076

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,151 sqft · built 2000
Lot Size	0.298 acres (12,994 sqft)
Owner	2 Individual Names on File
Last Sale	$223,900 (Mar 2017)
Tax Bill	$3,469 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-7.0-36-4-002-009.050`

Property Details

APN / Parcel Number

Primary APN	`14-7.0-36-4-002-009.050`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,151 sqft Living Area
Basement Area	1,265 sqft
Finished Basement	1,265 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,994 sqft (0.298 acres)
Lot Dimensions	162 ft deep x 80 ft wide
Garage Type	Mixed
Garage Area	1,280 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	405 E MONTGOMERY PL
City	ODESSA
State	MO
Zip	64076-7197
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 MONTGOMERY PLACE; 871-231, 1065-312, 2016DR1629, 2016DR1668, 2017DR1142
Legal Range	28
Legal Township	49
Legal Section	36
Legal Subdivision	MONTGOMERY PLACE
Legal Lot Number	5
Jurisdiction	LAFAYETTE MO
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1031
Census Tract	90601

Owner

405 E Montgomery Pl is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 E MONTGOMERY PL, ODESSA, MO 64076-7197
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
Nov 28, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Jul 14, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 30, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on File
Deed Sale	Mar 30, 2017 · Amount on File
Deed Document Number	2017DR1142
Deed Book / Page	2017 / 1142
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	405 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022DR5680
Date	Nov 28, 2022
Instrument	2022DR5680

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	405 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021DR3623
Date	Jul 14, 2021
Instrument	2021DR3623

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Aug 1, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	405 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017DR1143
Date	Mar 30, 2017
Instrument	2017DR1143

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Mar 30, 2017
Property Address	405 E MONTGOMERY PL, ODESSA, MO 64076-7197
Document Number	2017/1142
Book / Page	2017 / 1142
Map Reference	PL 14 PG 77
Instrument Date	Mar 24, 2017
Instrument	2017DR1142
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	405 E MONTGOMERY PL, ODESSA, MO 64076-7197

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Montgomery Pl was $3,469.

Source: Lafayette County assessment roll, as of October 28, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Lafayette County
Municipality	Odessa City
Unified School District	Odessa R-VII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,469.00	$46,850	$246,580 Land $18,550 Building $228,030
2023		$41,098	$216,305 Land $16,275 Building $200,030

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 405 E Montgomery Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · 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 (1982)
Most Recent Claim	Aug 1982 · tidal / storm surge

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 405 E Montgomery Pl is low, with 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	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	ODESSA PWS serves 5,202 people · EPA ID MO1010599
Water Source	Groundwater
Last State Inspection	Dec 2025
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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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