Caldwell County property record for 441 Oak St, Cowgill, MO 64637
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,624 sqft · built 1970 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $647 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-5-21-4-03-18.00 |
| Primary APN | 10-5-21-4-03-18.00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 10,193 sqft (0.234 acres) |
| Lot Dimensions | 120 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 441 OAK ST |
|---|---|
| City | COWGILL |
| State | MO |
| Zip | 64637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 21-55-27 BLK 6 LOT 4,5 VILLAGE OF COWGILL |
| Legal Range | 27 |
| Legal Township | 55 |
| Legal Section | 21 |
| Legal Block | 6 |
| Legal Lot Number | 4,5 |
| Jurisdiction | CALDWELL MO |
| Township / Civil Division | LINCOLN |
| Census Block Group | 3 |
| Census Block | 3070 |
| Census Tract | 950100 |
441 Oak St is owned and occupied by two individuals.
Source: Caldwell County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 441 OAK ST, COWGILL, MO 64637 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 441 Oak St was $647, up 15.3% from the year before.
Source: Caldwell County assessment roll, as of January 20, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Caldwell County |
| County Subdivision | Lincoln Township |
| Municipality | Cowgill City |
| Elementary School District | Cowgill R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $647.00 (+15.33%) | $9,170 Land $610 Building $8,560 | $48,280 Land $3,230 Building $45,050 |
| 2024 | $561.00 | ||
| 2023 | $5,390 Land $610 Building $4,780 | $28,410 Land $3,230 Building $25,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 441 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective June 16, 2015 · 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 Claims | 1 (1998) |
| Most Recent Claim | Jun 1998 · river or lake flooding |
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 risk around 441 Oak St is low, with a 0.05% annual chance of 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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALDWELL COUNTY PWSD 1 serves 335 people · EPA ID MO1024078 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Green Hills Technologies Fiber | 1,000 / 1,000 |
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