42641 Hwy U, Plato, MO 65552 Property Records

Laclede County property record for 42641 Hwy U, Plato, MO 65552

Property Summary

Property Type	Rural Home
Details	1 ba · 2,521 sqft · built 2017
Lot Size	42.8 acres (1,865,239 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Dec 2012)
Tax Bill	$957 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`50-0176-00-05-33-12`

Property Details

APN / Parcel Number

Primary APN	`50-0176-00-05-33-12`
Alternative APN	`20-3.0-05-000-000-002.000`

Interior

Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	2,521 sqft Adjusted Area
1st Floor Area	2,213 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modular
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	1,865,239 sqft (42.8 acres)
Driveway	Concrete Driveway
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	50-0176-00-05-33-12
Street Address	42641 HIGHWAY U
City	PLATO
State	MO
Zip	65552-8525
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	5-33-12 42.82 ACRES PT NWSE1/4, PT SWNE1/4, PT NESW1/4, PT SENW1/4
Legal Range	12W
Legal Township	33N
Legal Section	05
Jurisdiction	LACLEDE MO
Township / Civil Division	GASCONADE
Census Block Group	3
Census Block	3036
Census Tract	960202

Owner

42641 Hwy U, a rural home, is owned and occupied by an individual who bought it in December 2012.

Source: Laclede County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	42641 HIGHWAY U, PLATO, MO 65552-8525
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 21, 2017	Deed of Trust, Mortgage · Line of Credit FIRST STATE COMMUNITY BANK
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2012 · Amount on File
Deed Sale	Dec 12, 2012 · Amount on File
Prior Sale	Dec 7, 2009 · Amount on File
Deed Document Number	20125753
Deed Book / Page	258 / 9835
Prior Transfer Date	Dec 4, 2009
Prior Transfer Doc	00250/5824
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LACLEDE MO
Property Address	42641 HIGHWAY U, PLATO, MO 65552-8525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	270/1523
Date	Feb 21, 2017
Book Page	270/1523
Instrument	2017-0677

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank
Address	LEBANON, MO 65536

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LACLEDE MO
Property Address	42641 HIGHWAY U, PLATO, MO 65552-8525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HOGAN LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	275/7073
Date	Apr 29, 2019
Book Page	275/7073
Instrument	2019-1643

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank
Address	FARMINGTON, MO 63640

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 42641 Hwy U was $957, up 10.1% from the year before.

Source: Laclede County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Laclede County
Unified School District	Plato R-V School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$31,390 (+26.17%)	$178,000 (+26.51%) Land $12,400 Building $165,600
2025	$957.00 (+10.13%)	$24,880	$140,700 Land $12,400 Building $128,300
2024	$869.00 (+0.7%)
2023	$863.00 (+0.23%)	$22,550	$127,600 Land $12,400 Building $115,200
2022	$861.00

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 42641 Hwy U in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 20, 2018 · 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 Policies	1 in force

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 42641 Hwy U is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 69% of Missouri
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Splash Wireless Internet Fixed Wireless	200 / 25
Wave Internet Technologies Fixed Wireless	100 / 100
Total HighSpeed Internet Solutions Fixed Wireless	30 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy U

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