409 E Montgomery Pl, Odessa, MO 64076 Property Records

Lafayette County property record for 409 E Montgomery Pl, Odessa, MO 64076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,785 sqft · built 2000
Lot Size	0.298 acres (12,994 sqft)
Owner	2 Individual Names on File
Last Sale	$283,955 (Sep 2022)
Tax Bill	$3,051 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-7.0-36-4-002-009.030`

Property Details

APN / Parcel Number

Primary APN	`14-7.0-36-4-002-009.030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,785 sqft Living Area
Basement Area	1,050 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,994 sqft (0.298 acres)
Lot Dimensions	162 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	409 E MONTGOMERY PL
City	ODESSA
State	MO
Zip	64076-7197
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 MONTGOMERY PLACE; 874-330, 2017DR0517, 2017DR0539, 2021DR0687, 2022DR4557
Legal Range	28
Legal Township	49
Legal Section	36
Legal Subdivision	MONTGOMERY PLACE
Legal Lot Number	3
Jurisdiction	LAFAYETTE MO
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1031
Census Tract	90601

Owner

409 E Montgomery Pl is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197
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
Feb 10, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage FLAT BRANCH MORTGAGE
Feb 14, 2017	Deed of Trust, Mortgage · FHA Mortgage CORNERSTONE MORTGAGE INC
Sep 13, 2022	Warranty Deed, Transfer · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 8, 2021	Warranty Deed, Transfer MISC COMPANY
Feb 13, 2017	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC
Feb 14, 2017	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Feb 14, 2017 · Amount on File
Deed Document Number	20224557
Prior Transfer Date	Feb 5, 2021
Prior Transfer Doc	2021DR0687
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021DR0740
Date	Feb 10, 2021
Instrument	2021DR0740

Lender

Name	FLAT BRANCH MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0540
Date	Feb 14, 2017
Book Page	2017/0540
Instrument	2017DR0540

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Sep 13, 2022
Property Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197
Document Number	2022DR4557
Instrument Date	Sep 9, 2022
Instrument	2022DR4557
Transaction Type	Transfer
Record Updated	Oct 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197

Mortgage

Document Number	2022DR4558
Date	Sep 13, 2022
Instrument	2022DR4558

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2042

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Feb 8, 2021
Property Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197
Document Number	2021DR0687
Instrument Date	Feb 5, 2021
Instrument	2021DR0687
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	MISC COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Feb 13, 2017
Property Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197
Document Number	2017/0517
Book / Page	2017 / 0517
Instrument Date	Feb 10, 2017
Instrument	2017DR0517
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197

Mortgage

Document Number	2017/0518
Date	Feb 13, 2017
Book Page	2017/0518
Instrument	2017DR0518

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Feb 14, 2017
Property Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197
Document Number	2017/0539
Book / Page	2017 / 0539
Instrument Date	Feb 10, 2017
Instrument	2017DR0539
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E MONTGOMERY PL, ODESSA, MO 64076-7197

Mortgage

Document Number	02017/0518
Date	Feb 13, 2017
Book Page	2017/0518
Instrument	2017DR0518

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 409 E Montgomery Pl was $3,051, up 11.6% from the year before.

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	$3,051.00 (+11.55%)	$41,196	$216,820 Land $18,550 Building $198,270
2024	$2,735.00
2023		$36,137	$190,195 Land $16,275 Building $173,920

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 409 E Montgomery Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Most Recent Claim	Aug 1982 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 409 E Montgomery Pl is low, with 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	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 63 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: Spectrum.

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