528 E Kirby St, Mount Vernon, MO 65712 Property Records

Lawrence County property record for 528 E Kirby St, Mount Vernon, MO 65712

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 961 sqft · built 1943
Lot Size	0.215 acres (9,384 sqft)
Owner	2 Individual Names on Record
Tax Bill	$545 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`099031001008020000`

Property Details

APN / Parcel Number

Primary APN	`099031001008020000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	961 sqft Living Area
1st Floor Area	904 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,384 sqft (0.215 acres)
Lot Dimensions	136 ft deep x 68.5 ft wide

Location & Zoning

Street Address	528 E KIRBY ST
City	MOUNT VERNON
State	MO
Zip	65712-1341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KIRBY ST,E,528; BEG 345'E OF THE SW COR OF LT 7; N136' E68.5' S136' W68.5' TO BEG OF KIRBYS 2ND ADDN - MT VERNON
Legal Range	26
Legal Township	28
Legal Section	31
Legal Subdivision	KIRBYS 2ND ADDN
Legal Lot Number	7
Jurisdiction	LAWRENCE MO
Township / Civil Division	MOUNT VERNON
Census Block Group	3
Census Block	3013
Census Tract	470202

Owner

Source: Lawrence County records, as of August 11, 2026

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	528 E KIRBY ST, MOUNT VERNON, MO 65712-1341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2018	Deed of Trust, Mortgage · Line of Credit OLD MISSOURI BANK
May 24, 2021	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2024
Deed Sale	Jan 16, 2024
Prior Sale	May 24, 2021 · Amount on Record
Deed Document Number	2024194
Deed Book / Page	460 / 192
Prior Transfer Date	Apr 25, 2014
Prior Transfer Doc	450/1751
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	528 E KIRBY ST, MOUNT VERNON, MO 65712-1341
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00454/1677
Date	Apr 19, 2018
Book Page	454/1677
Instrument	2018-00001742

Lender

Name	OLD MISSOURI BANK
Type	Bank
Address	SPRINGFIELD, MO 65807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 22, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE MO
Recording Date	May 24, 2021
Property Address	528 E KIRBY ST, MOUNT VERNON, MO 65712-1341
Document Number	457/3107
Book / Page	457 / 3107
Instrument Date	May 21, 2021
Instrument	2021-00003125
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	WACO TITLE CO MT VERNON, WACO TITLE COMPANY MT VERNON

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 E KIRBY ST, MOUNT VERNON, MO 65712-1341

Mortgage

Document Number	4573108
Date	May 24, 2021
Instrument	457/3108

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lawrence County
Municipality	Mount Vernon City
Unified School District	Mount Vernon R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$11,080 (-) Land $1,580 Building $9,500
2025	$545.00 (+0.18%)	$11,080 (+9.16%) Land $1,580 Building $9,500	$53,421 (-)
2024	$544.00 (+8.58%)
2023	$501.00 (+6.6%)	$10,150 Land $1,580 Building $8,570	$53,421
2022	$470.00

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 August 2, 2012

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	MOUNT VERNON PWS serves 4,575 people · EPA ID MO5010553
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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