412 E Grand St, Gallatin, MO 64640 Property Records

Daviess County property record for 412 E Grand St, Gallatin, MO 64640

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,632 sqft · built 1942
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$152,095 (Apr 2026)
Tax Bill	$1,045 (2025)
Deeds & Mortgages	May 2005 Line of Credit Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-4.2-20-2-12-01`

Property Details

APN / Parcel Number

Primary APN	`15-4.2-20-2-12-01`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,632 sqft Living Area
Basement Area	960 sqft
Finished Basement	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	130 ft deep x 95 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	40 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	412 E GRAND ST
City	GALLATIN
State	MO
Zip	64640-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL THAT PART OF OUT LOT 13 IN THE CITY OF GALLATIN, MISSOURI, DESC AS FOLLOWS: COMM 284 FEET E OF THE NW COR OF SAID LOT 13,
Legal Range	27W
Legal Township	59N
Legal Section	20
Legal Subdivision	CITY OF GALLATIN
Legal Lot Number	13
Jurisdiction	DAVIESS MO
Township / Civil Division	UNION
Census Block Group	4
Census Block	4017
Census Tract	470200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	412 E GRAND ST, GALLATIN, MO 64640-1124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 19, 2005	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST
Apr 22, 2026	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Deed Document Number	2026680
Deed Book / Page	417 / 59
Prior Transfer Date	Apr 15, 2026
Prior Transfer Doc	0000000680
Record Updated	Oct 29, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS MO
Property Address	412 E GRAND ST, GALLATIN, MO 64640-1124
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 WHISPERING WOOD LN, ROCK PORT, MO 64482-9772

Mortgage

Document Number	0000217/58
Date	May 19, 2005
Book Page	217/58

Lender

Name	CITIZENS BANK & TRUST
Type	Seller
Address	PO BOX 70, ROCK PORT, MO 64482

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DAVIESS MO
Recording Date	Apr 22, 2026
Property Address	412 E GRAND ST, GALLATIN, MO 64640-1124
Document Number	0000000680
Book / Page	417 / 59
Instrument Date	Apr 15, 2026
Instrument	2026.680
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	ROCKET CLOSE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	412 E GRAND ST, GALLATIN, MO 64640-1124

Mortgage

Document Number	0000000681,
Date	Apr 22, 2026
Book Page	335/26
Instrument	2026.681

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

Tax Assessment & Valuation

Source: Daviess County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Daviess County
County Subdivision	Union Township
Municipality	Gallatin City
Unified School District	Gallatin R-V School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,045.00 (+10.23%)	$14,702 (+13.89%) Land $1,104 Building $13,598	$77,380 (+13.89%) Land $5,810 Building $71,570
2023	$948.00	$12,909 Land $922 Building $11,987	$67,940 Land $4,850 Building $63,090

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2015 · 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	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 claims

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	GALLATIN PWS serves 1,821 people · EPA ID MO1010299
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-States Services Fiber	2,000 / 2,000
Windstream Fiber · DSL	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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