Benton County property record for 521 Lay Ave, Warsaw, MO 65355
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,677 sqft · built 1951 |
| Lot Size | 0.726 acres (31,625 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $639 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Oct 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144017000000016000 |
| Primary APN | 144017000000016000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 2,677 sqft Base Area |
| 1st Floor Area | 2,677 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,625 sqft (0.726 acres) |
| Lot Dimensions | 275 ft deep x 115 ft wide |
| Street Address | 521 LAY AVE |
|---|---|
| City | WARSAW |
| State | MO |
| Zip | 65355-3009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LOTS 1-4 BLK 12 & PT OF VACATED ST., VAUGHN'S ADD. WARSAW CITY |
| Legal Range | 22W |
| Legal Township | 40N |
| Legal Section | 17 |
| Legal Subdivision | VAUGHNS ADD |
| Legal Block | 12 |
| Legal Lot Number | 1-4 |
| Jurisdiction | BENTON MO |
| Township / Civil Division | SOUTH LINDSEY |
| Census Block Group | 1 |
| Census Block | 1080 |
| Census Tract | 460300 |
Source: Benton County records, as of November 25, 2025
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 | 521 LAY AVE, WARSAW, MO 65355-3009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2017 | Deed of Trust, Mortgage FARMERS BANK |
| Oct 4, 2017 | Deed of Trust, Mortgage FARMERS BANK |
| Jul 1, 2020 | Beneficiary Deed, Transfer |
| May 14, 2018 | Warranty Deed, Transfer · Stand-Alone Refinance US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2018 |
| Deed Sale | May 14, 2018 |
| Deed Document Number | 20181946 |
| Deed Book / Page | 650 / 1238 |
| Prior Transfer Date | May 28, 2010 |
| Prior Transfer Doc | 000600/290 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MO |
| Property Address | 521 LAY AVE, WARSAW, MO 65355-3009 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000646/0000003267 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 0000000646/0000003267 |
| Instrument | 0000017-3970 |
| Name | FARMERS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 39 Months |
| Due | Jan 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MO |
| Property Address | 521 LAY AVE, WARSAW, MO 65355-3009 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000646/0000001924 |
|---|---|
| Date | Oct 4, 2017 |
| Book Page | 0000000646/0000001924 |
| Instrument | 0000017-3635 |
| Name | FARMERS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 39 Months |
| Due | Jan 1, 2021 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | BENTON MO |
| Recording Date | Jul 1, 2020 |
| Property Address | 521 LAY AVE, WARSAW, MO 65355-3009 |
| Document Number | 02020/2572 |
| Book / Page | 2020 / 2572 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 202002572 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 521 LAY AVE, WARSAW, MO 65355-3009 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MO |
| Recording Date | May 14, 2018 |
| Property Address | 521 LAY AVE, WARSAW, MO 65355-3009 |
| Document Number | 00650/1238 |
| Book / Page | 650 / 1238 |
| Instrument Date | May 10, 2018 |
| Instrument | 18-1946 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Title Company | DRAKE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 LAY AVE, WARSAW, MO 65355-3009 |
| Document Number | 00650/1240 |
|---|---|
| Date | May 14, 2018 |
| Book Page | 650/1240 |
| Instrument | 18-1947 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jun 1, 2047 |
Source: Benton County assessment roll, as of November 25, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Benton County |
| Municipality | Warsaw City |
| Unified School District | Warsaw R-IX School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $639.00 (+22.65%) | $11,620 (+9.83%) | $61,150 (+9.82%) Land $11,700 Building $49,450 |
| 2023 | $10,580 | $55,684 | |
| 2022 | $521.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 2, 2009 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 78% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WARSAW PWS serves 2,402 people · EPA ID MO3010835 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Co-Mo Connect Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
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