Ray County property record for 522 North St, Hardin, MO 64035
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,236 sqft · built 1955 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $889 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-09-32-04-010-010.000 |
| Primary APN | 09-09-32-04-010-010.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,236 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 136 ft deep x 55 ft wide |
| Garage Type | Mixed |
| Garage Area | 572 sqft |
| Driveway | Driveway |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 90 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 522 NORTH ST |
|---|---|
| City | HARDIN |
| State | MO |
| Zip | 64035-9116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE WEST 5' OF LOT 5 AND ALL LOT 6 BLOCK C HARDIN SMITH ADDITION |
| Legal Range | 26 |
| Legal Township | 52 |
| Legal Section | 32 |
| Legal Subdivision | SMITH ADDITION |
| Legal Block | C |
| Legal Lot Number | 5-6 |
| Jurisdiction | RAY MO |
| Township / Civil Division | CROOKED RIVER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 80100 |
522 North St is owned and occupied by an individual.
Source: Ray County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 522 NORTH ST, HARDIN, MO 64035-9116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 522 North St was $889, up 9.3% from the year before.
Source: Ray County assessment roll, as of April 24, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Ray County |
| Municipality | Hardin City |
| Unified School District | Hardin-Central C-2 School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,810 (-) | $62,190 (-) | |
| 2025 | $889.00 (+9.35%) | $11,810 (+9.25%) Land $220 Building $11,590 | $62,190 Land $1,170 Building $61,020 |
| 2024 | $813.00 | $10,810 Land $220 Building $10,590 | |
| 2023 | $56,910 Land $1,170 Building $55,740 | ||
| 2022 | $741.00 | $10,000 Land $200 Building $9,800 | |
| 2021 | $52,620 Land $1,070 Building $51,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 North St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 19, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Jul 1993 · Severe Storms & 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 522 North St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | HARDIN PWS serves 569 people · EPA ID MO1010346 |
|---|---|
| Water Source | Purchased groundwater from RAY COUNTY CONS PWSD 2 |
| Last State Inspection | May 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Brightspeed DSL · Fiber in parts of the area | 80 / 10 |
| Air Link Rural Broadband Fixed Wireless | 25 / 3 |
May also be available: United Fiber, Wisper ISP.
5G and 4G LTE (outdoors only)
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