42646 Elder Trl, Monroe City, MO 63456 Property Records

Ralls County property record for 42646 Elder Trl, Monroe City, MO 63456

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,684 sqft · built 1994
Lot Size	6.09 acres (265,716 sqft)
Owner	Individual Name on Record
Last Sale	$152,000 (Oct 2017)
Tax Bill	$1,579 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-09-06176.000`

Property Details

APN / Parcel Number

Primary APN	`35-09-06176.000`
Alternative APN	`05-0.8-27-000-00-02.03100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,684 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	265,716 sqft (6.09 acres)
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Deck Area	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	42646 ELDER TRL
City	MONROE CITY
State	MO
Zip	63456-3152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG. @ SW COR. SE 1/4, W-179.35', NE-451.94', NE-612.08', SW- 440.00'TO S-LINE OF SEC. , W-663.75'TO BEG., EX. CO. RD. R/W.
Jurisdiction	RALLS MO
Township / Civil Division	SALINE
Census Block Group	3
Census Block	3061
Census Tract	470300

Owner

Source: Ralls County records, as of November 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	42646 ELDER TRL, MONROE CITY, MO 63456-3152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK
Oct 18, 2017	Warranty Deed, Transfer · FHA Mortgage FIRST MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2017 · Amount on Record
Deed Sale	Oct 18, 2017 · Amount on Record
Prior Sale	May 1, 2007
Deed Document Number	0201762214
Deed Book / Page	2017 / 62214
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RALLS MO
Property Address	42646 ELDER TRL, MONROE CITY, MO 63456-3152
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201761717
Date	Jul 19, 2017
Instrument	2017-61717

Lender

Name	MERCANTILE BANK
Type	Bank
Address	QUINCY, IL 62305

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 12, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RALLS MO
Recording Date	Oct 18, 2017
Property Address	42646 ELDER TRL, MONROE CITY, MO 63456-3152
Document Number	201762214
Instrument Date	Oct 12, 2017
Instrument	2017-62214
Transaction Type	Transfer
Record Updated	Nov 11, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42646 ELDER TRL, MONROE CITY, MO 63456-3152

Mortgage

Document Number	201762215
Date	Oct 18, 2017
Instrument	2017-62215

Lender

Name	FIRST MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Ralls County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Ralls County
Unified School District	Monroe City R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,579.00 (+20.53%)	$26,850 (+14.5%) Land $3,720 Building $23,130	$141,350 (+14.48%) Land $19,630 Building $121,720
2023	$1,310.00	$23,450 Land $3,250 Building $20,200	$123,470 Land $17,160 Building $106,310

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

Source: FEMA National Flood Hazard Layer, effective January 13, 2022 · 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.05% 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	CANNON PWSD 1 serves 6,482 people · EPA ID MO2024500
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	5 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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ralls Technologies Fiber	10,000 / 10,000
Mark Twain Communications Company Fixed Wireless	300 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elder Trl

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