438 Tower Rd, Lebanon, MO 65536 Property Records

Laclede County property record for 438 Tower Rd, Lebanon, MO 65536

Property Summary

Property Type	Duplex
Details	1,958 sqft · built 1988
Lot Size	0.306 acres (13,311 sqft)
Owner	2 Individual Names on File
Last Sale	$175,731 (Jul 2026)
Tax Bill	$1,036 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-3.2-07-002-001-014.000`

Property Details

APN / Parcel Number

Primary APN	`12-3.2-07-002-001-014.000`
Alternative APN	`60-8206-00-MILLCREEK`

Interior

Building Area	1,958 sqft Adjusted Area
1st Floor Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Duplex Single
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	13,311 sqft (0.306 acres)
Lot Dimensions	128 ft deep x 103 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	60-8206-00-MILLCREEK
Street Address	438 TOWER RD
City	LEBANON
State	MO
Zip	65536-9237
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MILLCREEK SUB DIVISION 7-34-15 LOT 7 103.82 X 128.21 (DUPLEX)
Legal Range	15W
Legal Township	34N
Legal Section	07
Legal Subdivision	MILLCREEK SUB DIVISION
Legal Lot Number	7
Jurisdiction	LACLEDE MO
Township / Civil Division	LEBANON
Census Block Group	2
Census Block	2030
Census Tract	960301

Owner

438 Tower Rd, a duplex, is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	438 TOWER RD, LEBANON, MO 65536-9237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on File
Deed Sale	Jul 17, 2026 · Amount on File
Deed Document Number	20263181
Deed Book / Page	2026 / 3181
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LACLEDE MO
Recording Date	Jul 17, 2026
Property Address	438 TOWER RD, LEBANON, MO 65536-9237
Document Number	0000003181
Book / Page	2026 / 3181
Instrument Date	Jul 16, 2026
Instrument	20263181
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	HOGAN LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 TOWER RD, LEBANON, MO 65536-9237

Mortgage

Document Number	0000003182,
Date	Jul 17, 2026
Book Page	2026/3182
Instrument	20263182

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 438 Tower Rd was $1,036.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Laclede County
Municipality	Lebanon City
Unified School District	Lebanon R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$18,410 (-)	$96,900 (-) Land $14,500 Building $82,400
2025	$1,036.00	$18,410	$96,900 Land $14,500 Building $82,400
2023	$967.00 (+7.21%)	$16,470	$86,700 Land $10,800 Building $75,900
2022	$902.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 438 Tower Rd 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	2 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 438 Tower Rd is moderate, ranking above 57% 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 57% of the US · above 89% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LEBANON PWS serves 15,442 people · EPA ID MO5010458
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Thallium resolved · Oct 2016
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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20
Total HighSpeed Internet Solutions Fixed Wireless	30 / 10
AT&T Fixed Wireless	25 / 3

May also be available: Brightspeed, Socket Telecom, Sparklight, Splash Wireless Internet.