419 E Hardy St, Saint James, MO 65559 Property Records

Phelps County property record for 419 E Hardy St, Saint James, MO 65559 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1969
Square Footage	1,752 sqft Living Area
Lot Size	87,120 sqft (2 acres)
Occupancy	Owner Occupied
Last Sale	$278,000 (2026)
Tax Bill	$1,660.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`01920.00`
Alternative APN	`71-02-4.0-20-004-002-001.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,752 sqft Living Area
1st Floor	1,752 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Brick Construction
Roof Construction	Hip Roof Construction
Roof Material	Shingle Roof
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed Garage
Garage Area	384 sqft Garage
Shed	1 Shed
Shed Area	117 sqft Shed

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Gravity Heating

Location & Zoning

Account Number	01920.00
Street Address	419 E HARDY ST
City	SAINT JAMES
State	MO
Zip	65559-1710
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	FRACTIONAL PART NW1/4 SE1/4 SEC 20 TWP 38 N RNG 6 W
Legal Range	06W
Legal Township	38N
Legal Section	20
Jurisdiction	PHELPS MO
Minor Civil Division	ST. JAMES
Census Blockgroup	7
Census Block	7001
Census Tract	890200

Owner

Source: Phelps County records · APN 01920.00

Assessment roll updated August 4, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	419 E HARDY ST, SAINT JAMES, MO 65559-1710
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Jul 28, 2023 · Amount on Record
Deed Doc Number	2026
Record Refreshed	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PHELPS MO
Recording Date	Jun 22, 2026
Property Address	419 E HARDY ST, SAINT JAMES, MO 65559-1710
Instrument Date	Jun 17, 2026
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 E HARDY ST, SAINT JAMES, MO 65559-1710

Mortgage

Date	Jun 22, 2026

Lender

Name	PHELPS COUNTY BANK

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

Tax Assessment & Valuation

Source: Phelps County records · Assessment roll updated August 4, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Phelps County
Municipality	St. James City
Unified School District	St. James R-I School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$33,990 (-) Land $4,940 Building $29,050
2025	$1,660.00 (+0.06%)	$33,990 (+13.38%) Land $4,940 Building $29,050	$178,870 (+13.36%) Land $25,980 Building $152,890
2024	$1,659.00 (+12.93%)
2023	$1,469.00 (+2.16%)	$29,980 Land $3,570 Building $26,410	$157,795 Land $18,800 Building $138,995
2022	$1,438.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Phelps County (29161C), updated April 19, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 32% of the US · above 22% of Missouri
Wildfire Likelihood	About 1 in 3,704 per year
Exposure	Direct burnable vegetation at the parcel

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