406 Oak St, Fulton, MO 65251 Property Records

Callaway County property record for 406 Oak St, Fulton, MO 65251

Property Summary

Property Type	Single Family Home
Details	1 ba · 890 sqft · built 1925
Lot Size	0.129 acres (5,619 sqft)
Owner	Individual Name on File
Last Sale	$50,200 (Jan 2025)
Tax Bill	$352 (2025)
Deeds & Mortgages	Aug 2022 Sale Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-05.0-16.0-30-006-007.000`

Property Details

APN / Parcel Number

Primary APN	`13-05.0-16.0-30-006-007.000`
Alternative APN	`1305016030006000000`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	890 sqft Living Area
1st Floor Area	890 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Geodesic/Dome
Roof Material	Asphalt
Lot Area	5,619 sqft (0.129 acres)
Lot Dimensions	12.5 ft deep x 4.5 ft wide
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Oil

Location & Zoning

Account Number	1305016030006007000
Street Address	406 OAK ST
City	FULTON
State	MO
Zip	65251-1654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 AND ALL OF LOT 17 BLK 93 NCP
Legal Range	09W
Legal Township	47N
Legal Section	16
Legal Subdivision	WOODS ADDITION TO FULTON
Legal Block	93
Legal Lot Number	7
Jurisdiction	CALLAWAY MO
Township / Civil Division	EAST FULTON
Census Block Group	1
Census Block	1004
Census Tract	70302

Owner

406 Oak St is owned by an individual who bought it in January 2025.

Source: Callaway County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	3203 PALMER CT, FULTON, MO 65251-3888
Owner Type	Individual
Vesting	Married

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
Aug 26, 2022	Warranty Deed, Transfer
Nov 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALLAWAY BANK
Nov 28, 2018	Deed of Trust, Mortgage CALLAWAY BANK
Apr 11, 2017	Deed of Trust, Mortgage · Line of Credit THE CALLAWAY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2025 · Amount on File
Deed Sale	Jan 2, 2025 · Amount on File
Prior Sale	Jun 16, 2022 · Amount on File
Deed Document Number	20252
Deed Book / Page	517 / 521
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLAWAY MO
Recording Date	Aug 26, 2022
Property Address	406 OAK ST, FULTON, MO 65251-1654
Document Number	000502/306
Book / Page	502 / 306
Instrument Date	Aug 25, 2022
Instrument	202205450
Transaction Type	Transfer
Record Updated	May 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 E 5TH ST, FULTON, MO 65251-1716
Investor	Possibly a Property Investor

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	406 OAK ST, FULTON, MO 65251-1654
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	247/872
Date	Nov 5, 2021
Book Page	247/872
Instrument	202108398

Lender

Name	CALLAWAY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	406 OAK ST, FULTON, MO 65251-1654
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000241/0000000531
Date	Nov 28, 2018
Book Page	0000000241/0000000531
Instrument	201807904

Lender

Name	CALLAWAY BANK

Agreement

Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	406 OAK ST, FULTON, MO 65251-1654
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D0238/0859
Date	Apr 11, 2017
Book Page	D0238/0859
Instrument	201702156

Lender

Name	THE CALLAWAY BANK
Type	Bank
Address	FULTON, MO 65251

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 406 Oak St was $352, down 0.3% from the year before.

Source: Callaway County assessment roll, as of January 15, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Callaway County
Municipality	Fulton City
Unified School District	Fulton 58 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$352.00 (-0.28%)	$5,709 (-)	$30,050 (-)
2024	$353.00 (+0.57%)	$5,709 (-)	$30,050 (-)
2023	$351.00 (+9.01%)	$5,709 (+9.08%)	$30,050
2022	$322.00	$5,234 Land $889 Building $4,345
2021			$27,550 Land $4,680 Building $22,870

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 406 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 5, 2012

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 406 Oak 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FULTON PWS serves 12,600 people · EPA ID MO3010296
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	4 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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Callabyte Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
FireServe Fixed Wireless · not low latency	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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