431 Todd Ln, Mount Vernon, MO 65712 Property Records

Lawrence County property record for 431 Todd Ln, Mount Vernon, MO 65712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,825 sqft · built 2020
Lot Size	0.366 acres (15,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$223,900 (Oct 2020)
Tax Bill	$1,857 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`086024004004001017`

Property Details

APN / Parcel Number

Primary APN	`086024004004001017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,825 sqft Living Area
1st Floor Area	1,825 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	15,930 sqft (0.366 acres)
Lot Dimensions	177 ft deep x 90 ft wide

Location & Zoning

Street Address	431 TODD LN
City	MOUNT VERNON
State	MO
Zip	65712-7501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 17, FINAL PLAT OF MEADOWVIEW EST PHASE ONE - MT VERNON
Legal Range	27
Legal Township	28
Legal Section	24
Legal Subdivision	MEADOWVIEW ESTATES PHASE ONE
Legal Phase	1
Legal Lot Number	17
Jurisdiction	LAWRENCE MO
Township / Civil Division	MOUNT VERNON
Census Block Group	2
Census Block	2049
Census Tract	470201

Owner

Source: Lawrence County records, as of August 11, 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	431 TODD LN, MOUNT VERNON, MO 65712-7501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF BILLINGS
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST INDEPENDENT BANK
Oct 30, 2020	Warranty Deed, Transfer · Conventional Mortgage ASSEMBLIES OF GOD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	May 20, 2020
Deed Document Number	20205603
Deed Book / Page	456 / 5562
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Recording Date	Apr 30, 2026
Property Address	431 TODD LN, MOUNT VERNON, MO 65712-7501
Document Number	0000002299
Book / Page	2026 / 2299
Instrument Date	Apr 23, 2026
Instrument	20262299
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 TODD LN, MOUNT VERNON, MO 65712-7501

Mortgage

Document Number	0000002299,
Date	Apr 30, 2026
Book Page	2026/2299
Instrument	20262299

Lender

Name	BANK OF BILLINGS

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 26, 2046

Interest

Rate	6.38%
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	431 TODD LN, MOUNT VERNON, MO 65712-7501
Transaction Type	Mortgage
Record Updated	Aug 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21715 LAWRENCE 2130, MOUNT VERNON, MO 65712-8117

Mortgage

Document Number	456/2981
Date	Jun 24, 2020
Book Page	456/2981
Instrument	2020-00003007

Lender

Name	FIRST INDEPENDENT BANK
Type	Bank
Address	AURORA, MO 65605

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE MO
Recording Date	Oct 30, 2020
Property Address	431 TODD LN, MOUNT VERNON, MO 65712-7501
Document Number	456/5562
Book / Page	456 / 5562
Instrument Date	Oct 28, 2020
Instrument	2020-00005603
Transaction Type	Transfer
Record Updated	Aug 2, 2021
Title Company	WACO TITLE CO MT VERNON, WACO TITLE COMPANY MT VERNON

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 TODD LN, MOUNT VERNON, MO 65712-7501

Mortgage

Document Number	4565563
Date	Oct 30, 2020
Instrument	456/5563

Lender

Name	ASSEMBLIES OF GOD CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lawrence County
Municipality	Mount Vernon City
Unified School District	Mount Vernon R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,790 (-) Land $3,150 Building $34,640
2025	$1,857.00	$37,790 (+9.95%) Land $3,150 Building $34,640	$180,895 (-)
2024	$1,857.00 (+9.36%)
2023	$1,698.00 (+6.99%)	$34,370 Land $3,150 Building $31,220	$180,895
2022	$1,587.00

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

Source: FEMA National Flood Hazard Layer, effective August 2, 2012 · 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 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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