405 S 3rd St, Odessa, MO 64076 Property Records

Lafayette County property record for 405 S 3rd St, Odessa, MO 64076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,627 sqft · built 1910
Lot Size	0.386 acres (16,801 sqft)
Owner	Individual Name on File
Last Sale	$159,100 (Apr 2020)
Tax Bill	$1,205 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-1.0-01-2-004-102.000`

Property Details

APN / Parcel Number

Primary APN	`23-1.0-01-2-004-102.000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,627 sqft Living Area
Basement Area	936 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,801 sqft (0.386 acres)
Lot Dimensions	140 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	405 S 3RD ST
City	ODESSA
State	MO
Zip	64076-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 4 BLK 6 PATTERSON & SMITHS ADDN; 403-52, 681-304, 715-669, 904-11, 1002-694, 1134-479, 2020DR1408
Legal Range	28
Legal Township	48
Legal Section	01
Legal Subdivision	PATTERSON & SMITHS ADDN
Legal Block	6
Legal Lot Number	3-4
Jurisdiction	LAFAYETTE MO
Township / Civil Division	SNI-A-BAR
Census Block Group	3
Census Block	3025
Census Tract	90601

Owner

405 S 3rd St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	405 S 3RD ST, ODESSA, MO 64076-1413
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 20, 2023	Deed of Trust, Mortgage R-G FCU
Apr 13, 2020	Warranty Deed, Transfer · FHA Mortgage LEADERONE FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2020 · Amount on File
Deed Sale	Apr 13, 2020 · Amount on File
Deed Document Number	2020DR1408
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	405 S 3RD ST, ODESSA, MO 64076-1413
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023DR4242
Date	Nov 20, 2023
Instrument	2023DR4242

Lender

Name	R-G FCU

Agreement

Amount	Amount on Record
Term	181 Months
Due	Dec 15, 2038

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Apr 13, 2020
Property Address	405 S 3RD ST, ODESSA, MO 64076-1413
Document Number	2020DR1408
Instrument Date	Apr 10, 2020
Instrument	2020DR1408
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 S 3RD ST, ODESSA, MO 64076-1413

Mortgage

Document Number	2020DR1416
Date	Apr 13, 2020
Instrument	2020DR1416

Lender

Name	LEADERONE FINANCIAL

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 405 S 3rd St was $1,205.

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	$1,205.00	$16,270	$85,630 Land $32,380 Building $53,250
2023		$14,271	$75,112 Land $28,402 Building $46,710

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 405 S 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010

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

Wildfire risk around 405 S 3rd 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.

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 356 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: United Fiber, Wisper ISP.

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