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406 W Elm St, Polo, MO 64671 Property Records

Caldwell County property record for 406 W Elm St, Polo, MO 64671

Property Summary

Property TypeCommercial
Details9,138 sqft · built 2010
Lot Size1.31 acres (57,412 sqft)
OwnerCompany Name on File
Last Sale$916,400 (Sep 2019)
Tax Bill$10,377 (2025)
Deeds & MortgagesDec 2020 Line of Credit
Sep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN11-8-28-1-02-13.10

Property Details

APN / Parcel Number

Primary APN11-8-28-1-02-13.10

Interior

Building Area9,138 sqft Living Area
1st Floor Area9,138 sqft

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2010
Lot Area57,412 sqft (1.31 acres)

Location & Zoning

Street Address406 W ELM ST
CityPOLO
StateMO
Zip64671-7778
Property CategoryCommercial
Property TypeCommercial > Retail
Legal Description28-55-28 - FAIRWINDS ESTATES - ALL OF LOT'S 9, 10, 13, 14 & 15 IN THE CITY OF POLO MO
Legal Range28
Legal Township55
Legal Section28
Legal SubdivisionFAIRWINDS ESTATES
Legal Lot Number9,10,13
JurisdictionCALDWELL MO
Township / Civil DivisionGRANT
Census Block Group1
Census Block1013
Census Tract950201

Owner

406 W Elm St, a commercial property, is owned by a company that bought it in September 2019.

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

Owner of RecordCompany Name on File
Mailing Address244 LAKE VIKING TER, GALLATIN, MO 64640-8345
Owner TypeCompany
VestingCompany

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

DateDocument
Dec 2, 2020Deed of Trust, Mortgage · Line of Credit
CORE BANK
Sep 12, 2019Special Warranty Deed, Transfer · Commercial Mortgage
MUTUAL OF OMAHA BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 12, 2019 · Amount on File
Deed SaleSep 12, 2019 · Amount on File
Deed Document Number201958008
Deed Book / Page195 / 6087
Record UpdatedSep 20, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALDWELL MO
Property Address406 W ELM ST, POLO, MO 64671-7778
Transaction TypeMortgage
Record UpdatedMar 9, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4322 SW SAPELO CT, LEES SUMMIT, MO 64082-4785

Mortgage

Document Number00100/4608
DateDec 2, 2020
Book Page100/4608
Instrument60307
Lender
NameCORE BANK
TypeBank
AddressOMAHA, NE 68118
Agreement
TypeLine of Credit
AmountAmount on Record

September 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionCALDWELL MO
Recording DateSep 12, 2019
Property Address406 W ELM ST, POLO, MO 64671-7778
Document Number00195/6087
Book / Page195 / 6087
Map ReferenceMB 4 PG 45
Instrument DateSep 3, 2019
Instrument58008
Transaction TypeTransfer
Record UpdatedMar 9, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3095 E SILVER HAWK DR, HOLLADAY, UT 84121-1573

Transferred To (Grantee/Buyer)

NameVerified Name
Address4322 SW SAPELO CT, LEES SUMMIT, MO 64082-4785

Mortgage

Document Number0000058009
DateSep 12, 2019
Instrument58009
Lender
NameMUTUAL OF OMAHA BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 406 W Elm St was $10,377, up 38.6% from the year before.

Source: Caldwell County assessment roll, as of January 20, 2026

Property Jurisdictions

TypeName
StateMissouri
CountyCaldwell County
County SubdivisionGrant Township
MunicipalityPolo City
Unified School DistrictPolo R-VII School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,377.00 (+38.6%)$137,260 Land $10,610 Building $126,650$428,940 Land $33,150 Building $395,790
2024$7,487.00
2023$105,560 Land $10,610 Building $94,950$329,880 Land $33,150 Building $296,730

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

Source: FEMA National Flood Hazard Layer, effective June 16, 2015

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 406 W Elm St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemPOLO PWS
serves 575 people · EPA ID MO1010653
Water SourcePurchased groundwater from RAY COUNTY PWSD 3
Last State InspectionMar 2024
Lead6 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 22 locations within half a mile, as of December 31, 2025

ProviderMax 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

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