Morgan County property record for 405 S Ross St, Versailles, MO 65084
| Property Type | Single Family Home |
|---|---|
| Details | 1,344 sqft · built 1960 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,015 (Jul 2018) |
| Tax Bill | $454 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-3.0-06-300-034-009.000 |
| Primary APN | 12-3.0-06-300-034-009.000 |
|---|
| Building Area | 1,344 sqft Living Area |
|---|---|
| 1st Floor Area | 1,344 sqft |
| Flooring | Wood |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Utility Building | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 S ROSS ST |
|---|---|
| City | VERSAILLES |
| State | MO |
| Zip | 65084-1903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 45 LOT 5 & N 35 LOT 8 BLK 5 GLENDALE ADD TO VERS 80 X 120 |
| Legal Range | 17 |
| Legal Township | 42 |
| Legal Section | 6 |
| Legal Subdivision | GLENDALE ADD TO VERS |
| Legal Block | 5 |
| Legal Lot Number | 5,8 |
| Jurisdiction | MORGAN MO |
| Township / Civil Division | MOREAU |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 470300 |
405 S Ross St is owned by an individual who bought it in July 2018.
Source: Morgan County records, as of August 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20089 INLET RD, VERSAILLES, MO 65084-5104 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2018 · Amount on File |
| Deed Sale | Jul 25, 2018 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN MO |
| Property Address | 405 S ROSS ST, VERSAILLES, MO 65084-1903 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 405 S ROSS ST, VERSAILLES, MO 65084-1903 |
| Document Number | 0202506069 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 202506069 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 31, 2045 |
The 2025 property tax bill for 405 S Ross St was $454.
Source: Morgan County assessment roll, as of August 5, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Morgan County |
| Municipality | Versailles City |
| Unified School District | Morgan County R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,490 (-) Land $1,805 Building $8,685 | $55,200 Land $9,500 Building $45,700 | |
| 2025 | $454.00 | $10,490 | |
| 2024 | $55,200 Land $9,500 Building $45,700 | ||
| 2023 | $423.00 (+0.48%) | $9,440 | |
| 2022 | $421.00 | $49,700 Land $8,400 Building $41,300 | |
| 2011 | $357.00 |
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.
FEMA maps place 405 S Ross St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 2020
| 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 S Ross St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 78% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% 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 | VERSAILLES PWS serves 2,539 people · EPA ID MO3010819 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Co-Mo Connect Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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