Caldwell County property record for 405 Francis St, Polo, MO 64671
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,056 sqft · built 1973 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $999 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-8-28-1-02-2.00 |
| Primary APN | 11-8-28-1-02-2.00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | A-Frame |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 754 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Deck Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Street Address | 405 FRANCIS ST |
|---|---|
| City | POLO |
| State | MO |
| Zip | 64671-9321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 28-55-28 BLK 3 LOT 5 & 6 WEST POLO ADDITION 90 X 125 |
| Legal Range | 28 |
| Legal Township | 55 |
| Legal Section | 28 |
| Legal Subdivision | WEST POLO ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 5,6 |
| Jurisdiction | CALDWELL MO |
| Township / Civil Division | GRANT |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 950201 |
405 Francis St, a single family home, is owned by two individuals.
Source: Caldwell County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 21, POLO, MO 64671-0021 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL MO |
| Property Address | 405 FRANCIS ST, POLO, MO 64671-9321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 100/4262 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 100/4262 |
| Instrument | 58624 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 279 Months |
| Due | Apr 1, 2043 |
The 2025 property tax bill for 405 Francis St was $999, up 16% from the year before.
Source: Caldwell County assessment roll, as of January 20, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Caldwell County |
| County Subdivision | Grant Township |
| Municipality | Polo City |
| Unified School District | Polo R-VII School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $999.00 (+16.03%) | $13,450 Land $1,860 Building $11,590 | $70,790 Land $9,800 Building $60,990 |
| 2024 | $861.00 | ||
| 2023 | $12,370 Land $1,860 Building $10,510 | $65,120 Land $9,800 Building $55,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Francis St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 16, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 405 Francis St is low, with less than 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 | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POLO PWS serves 575 people · EPA ID MO1010653 |
|---|---|
| Water Source | Purchased groundwater from RAY COUNTY PWSD 3 |
| Last State Inspection | Mar 2024 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Green Hills Technologies Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures