545 McPhail St, Lebanon, MO 65536 Property Records

Laclede County property record for 545 McPhail St, Lebanon, MO 65536

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,001 sqft · built 1945
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on File
Last Sale	$43,800 (Dec 2016)
Tax Bill	$452 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-4623-01-WICKSHAM`

Property Details

APN / Parcel Number

Primary APN	`60-4623-01-WICKSHAM`
Alternative APN	`13-1.0-02-003-010-001.002`

Interior

Bedrooms	2 Beds
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,001 sqft Adjusted Area
1st Floor Area	988 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	60-4623-01-WICKSHAM
Street Address	545 MCPHAIL ST
City	LEBANON
State	MO
Zip	65536-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WICKERSHAM 70' X 120'BLOCK 61, LOT 3 & SE 20' OF LOT 2
Legal Subdivision	WICKERSHAMS FIRST ADDITION
Legal Block	61
Legal Lot Number	2-3
Jurisdiction	LACLEDE MO
Township / Civil Division	LEBANON
Census Block Group	2
Census Block	2035
Census Tract	960400

Owner

545 McPhail St is owned and occupied by an individual who bought it in December 2016.

Source: Laclede County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	545 MCPHAIL ST, LEBANON, MO 65536-2224
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Sep 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF THE OZARKS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2016 · Amount on File
Deed Sale	Dec 16, 2016 · Amount on File
Prior Sale	May 22, 2015 · Amount on File
Deed Document Number	20165043
Deed Book / Page	269 / 6785
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LACLEDE MO
Property Address	545 MCPHAIL ST, LEBANON, MO 65536-2224
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	SUMMIT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 MCPHAIL ST, LEBANON, MO 65536-2224

Mortgage

Document Number	002026/185
Date	Jan 14, 2026
Book Page	2026/185
Instrument	20260185

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LACLEDE MO
Property Address	545 MCPHAIL ST, LEBANON, MO 65536-2224
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	JEFF

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00271/9101
Date	Sep 25, 2017
Book Page	271/9101
Instrument	2017-3964

Lender

Name	CENTRAL BANK OF THE OZARKS
Type	Bank
Address	SPRINGFIELD, MO 65808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 545 McPhail St was $452.

Source: Laclede County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Laclede County
Municipality	Lebanon City
Unified School District	Lebanon R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$8,870 (-)	$46,700 (-) Land $9,700 Building $37,000
2025	$452.00	$8,870	$46,700 Land $9,700 Building $37,000
2023	$465.00 (+7.39%)	$7,920	$41,700 Land $6,100 Building $35,600
2022	$433.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 545 McPhail St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 20, 2018

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

Wildfire risk around 545 McPhail St is low, with a 0.02% annual chance of 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	0.02% 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	LEBANON PWS serves 15,442 people · EPA ID MO5010458
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Thallium resolved · Oct 2016
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ozark Fiber Fiber	2,000 / 2,000
Sparklight Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: Socket Telecom, Splash Wireless Internet, T-Mobile.

Nearby Properties on McPhail St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures