412 E Montgomery Pl, Odessa, MO 64076 Property Records

Lafayette County property record for 412 E Montgomery Pl, Odessa, MO 64076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,304 sqft · built 2005
Lot Size	0.298 acres (12,994 sqft)
Owner	Individual Name on File
Last Sale	$144,300 (Nov 2018)
Tax Bill	$2,196 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-7.0-36-4-002-009.140`

Property Details

APN / Parcel Number

Primary APN	`14-7.0-36-4-002-009.140`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,304 sqft Living Area
Basement Area	1,304 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
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
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	412 E MONTGOMERY PL
City	ODESSA
State	MO
Zip	64076-7197
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 MONTGOMERY PLACE; 1018-986, 1053-348, 1144-749, 1164-472, 2011DR2803, 2018DR4744
Legal Range	28
Legal Township	49
Legal Section	26
Legal Subdivision	MONTGOMERY PLACE
Legal Lot Number	14
Jurisdiction	LAFAYETTE MO
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1031
Census Tract	90601

Owner

412 E Montgomery Pl is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	412 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
Dec 22, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 2, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOUSING & URBAN DEVELOPMENT
Apr 3, 2025	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT
Nov 27, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2018 · Amount on File
Deed Sale	Nov 27, 2018 · Amount on File
Prior Sale	Aug 19, 2011 · Amount on File
Deed Document Number	2018DR4744
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	412 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022DR6100
Date	Dec 22, 2022
Instrument	2022DR6100

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	412 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022DR2223
Date	May 2, 2022
Instrument	2022DR2223

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	412 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024DR0990
Date	Mar 22, 2024
Instrument	2024DR0990

Lender

Name	HOUSING & URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	335 Months
Due	Feb 1, 2052

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	412 E MONTGOMERY PL, ODESSA, MO 64076-7197
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025DR1064
Date	Apr 3, 2025
Instrument	2025DR1064

Lender

Name	SECRETARY OF HOUSING URBAN & DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	479 Months
Due	Mar 1, 2065

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Nov 27, 2018
Property Address	412 E MONTGOMERY PL, ODESSA, MO 64076-7197
Document Number	2018DR4744
Instrument Date	Nov 15, 2018
Instrument	2018DR4744
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 31, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 E MONTGOMERY PL, ODESSA, MO 64076-7197

Mortgage

Document Number	2018DR4745
Date	Nov 27, 2018
Instrument	2018DR4745

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 412 E Montgomery Pl was $2,196.

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	$2,196.00	$29,657	$156,090 Land $18,550 Building $137,540
2023		$26,016	$136,925 Land $16,275 Building $120,650

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 412 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 412 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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