515 Pratt St, Centralia, MO 65240 Property Records

Boone County property record for 515 Pratt St, Centralia, MO 65240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,012 sqft · built 1945
Lot Size	0.194 acres (8,460 sqft)
Owner	Individual Name on Record
Tax Bill	$708 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-220-00-01-014-00`

Property Details

APN / Parcel Number

Primary APN	`04-220-00-01-014-00`
Alternative APN	`04-220-00-01-014.00 01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,012 sqft Living Area
1st Floor Area	1,012 sqft

Exterior

Year Built	Built 1945
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	8,460 sqft (0.194 acres)
Lot Dimensions	60 ft deep x 141 ft wide
Garage Type	Mixed
Garage Area	288 sqft
Parking Spaces	3 Parking Spaces
Deck Area	96 sqft
Balcony	Balcony
Balcony Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Gas

Location & Zoning

Street Address	515 PRATT ST
City	CENTRALIA
State	MO
Zip	65240-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	POAGES ADD BLK 5 N 60' LOTS 1 & 2
Legal Range	11
Legal Township	51
Legal Section	10
Legal Subdivision	POAGES ADD
Legal Block	5
Legal Lot Number	1 2
Jurisdiction	BOONE MO
Township / Civil Division	CENTRALIA
Census Block Group	1
Census Block	1065
Census Tract	2000

Owner

Source: Boone County records, as of November 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	515 PRATT ST, CENTRALIA, MO 65240-1135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 18, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 7, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAT BRANCH HOME LOANS INC
Nov 25, 2020	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2020
Deed Sale	Nov 25, 2020
Prior Sale	Feb 16, 2016
Deed Document Number	2020030221
Deed Book / Page	5315 / 116
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	515 PRATT ST, CENTRALIA, MO 65240-1135
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 PRATT ST, CENTRALIA, MO 65240-1135
Investor	Possibly a Property Investor

Mortgage

Document Number	0000021024
Date	Dec 1, 2025
Book Page	6080/69
Instrument	2025021024

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2050

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	515 PRATT ST, CENTRALIA, MO 65240-1135
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 PRATT ST, CENTRALIA, MO 65240-1135
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015020
Date	Sep 18, 2023
Book Page	5795/16
Instrument	2023015020

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Dec 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	515 PRATT ST, CENTRALIA, MO 65240-1135
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031331
Date	Dec 7, 2020
Book Page	5322/148
Instrument	2020031331

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Nov 25, 2020
Property Address	515 PRATT ST, CENTRALIA, MO 65240-1135
Document Number	2020030221
Book / Page	5315 / 116
Map Reference	MB 60 PG 311
Instrument Date	Nov 24, 2020
Instrument	2020030221
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	BOONE CENTRAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 PRATT ST, CENTRALIA, MO 65240-1135
Investor	Possibly a Property Investor

Mortgage

Document Number	2020030222
Date	Nov 25, 2020
Instrument	2020030222

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Mortgage

Document Number	0000030223
Date	Nov 25, 2020
Book Page	5315/118
Instrument	2020030223

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Boone County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Boone County
Municipality	Centralia City
Unified School District	Centralia R-VI School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$708.00 (+15.88%)	$11,495 (+14.58%) Land $1,045 Building $10,450	$60,500 (+14.58%) Land $5,500 Building $55,000
2023	$611.00 (+8.14%)	$10,032 Land $1,045 Building $8,987	$52,800 Land $5,500 Building $47,300
2022	$565.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 30, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.02% 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	CENTRALIA PWS serves 4,027 people · EPA ID MO3010152
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 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	None 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Air Link Rural Broadband.

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