405 Elm St, Lawrence, KS 66044 Property Records

Douglas County property record for 405 Elm St, Lawrence, KS 66044

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 650 sqft · built 1880
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Tax Bill	$1,716 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`079-30-0-40-04-011.03-0`

Property Details

APN / Parcel Number

Primary APN	`079-30-0-40-04-011.03-0`
Alternative APNs	`0230793004004011030` `15187`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	650 sqft Living Area

Exterior

Year Built	Built 1880
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Porch	Covered Porch
Porch Area	126 sqft
Deck Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0230793004004011030
Old Parcel Number	0230793004004011.030
Street Address	405 ELM ST
City	LAWRENCE
State	KS
Zip	66044-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH LAWRENCE ELM STREET LTS 170 & 172 (N06541 & 6542A COMBINED 2007)
Legal Subdivision	SUBDIVISION 0505
Legal Lot Number	170,172 172
Jurisdiction	DOUGLAS KS
Township / Civil Division	LAWRENCE
Census Block Group	3
Census Block	3011
Census Tract	100

Owner

405 Elm St is owned and occupied by an individual who acquired it in September 2017.

Source: Douglas County records, as of December 1, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	405 ELM ST, LAWRENCE, KS 66044-1540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Deed of Trust, Mortgage · Unknown MERITRUST FCU
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE CO INC
Sep 26, 2017	Warranty Deed, Transfer · Conventional Mortgage MERITRUST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2017
Deed Sale	Sep 26, 2017
Prior Sale	Jul 30, 2004
Deed Document Number	1151-2872
Deed Book / Page	1151 / 2872
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS KS
Property Address	405 ELM ST, LAWRENCE, KS 66044-1540
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001214/596
Date	Aug 5, 2022
Book Page	1214/596

Lender

Name	MERITRUST FCU
Type	Credit Union
Address	WICHITA, KS 67202

Agreement

Type	Unknown
Amount	Amount on Record
Term	204 Months
Due	Aug 15, 2039

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS KS
Property Address	405 ELM ST, LAWRENCE, KS 66044-1540
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	KANSAS SECURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01208/3800
Date	Feb 23, 2022
Book Page	1208/3800

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company
Address	RICHARDSON, TX 75083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS KS
Recording Date	Sep 26, 2017
Property Address	405 ELM ST, LAWRENCE, KS 66044-1540
Document Number	1151/2872
Book / Page	1151 / 2872
Instrument Date	Sep 25, 2014
Instrument	1151-2872
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	KANSAS SECURED TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	11512873
Date	Sep 26, 2017
Instrument	1151-2873

Lender

Name	MERITRUST CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 405 Elm St was $1,716.

Source: Douglas County assessment roll, as of June 1, 2025

Property Jurisdictions

Type	Name
State	Kansas
County	Douglas County
Municipality	Lawrence City
Unified School District	Lawrence Unified School District 497 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,716.00	$14,648 Land $5,175 Building $9,473	$127,370 Land $45,000 Building $82,370
2023	$1,703.00 (+9.45%)	$13,648 Land $4,025 Building $9,623	$118,680 Land $35,000 Building $83,680
2022	$1,556.00

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

Flood

FEMA maps place 405 Elm St in Zone X, where a levee reduces flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective May 31, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2020 · 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 405 Elm St 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 80% of the US · lower than 75% of Kansas
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	CITY OF LAWRENCE serves 95,256 people · EPA ID KS2004503
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	3 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Midco Cable	2,000 / 350
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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