6 Lakes Dr, Agency, MO 64401 Property Records

Buchanan County property record for 6 Lakes Dr, Agency, MO 64401

Property Summary

Property Type	Single Family Home
Details	2,240 sqft · built 1998
Lot Size	3.46 acres (150,718 sqft)
Owner	2 Individual Names on Record
Last Sale	$436,400 (Dec 2020)
Tax Bill	$3,209 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2018 Mortgage
APN	`10-3.0-07-000-000-018.018`

Property Details

APN / Parcel Number

Primary APN	`10-3.0-07-000-000-018.018`

Interior

Building Area	2,240 sqft Base Area
1st Floor Area	2,240 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	150,718 sqft (3.46 acres)

Location & Zoning

Street Address	6 LAKES DR
City	AGENCY
State	MO
Zip	64401-9111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	SUB:VALLEY LAKES LOT:2 BLK:0LGL DESC:PART L2 BEG NE COR L2 TH W 455.02' SE 416.65' E 352.94' N 383.05' TO POB
Legal Subdivision	VALLEY LAKES
Legal Lot Number	2
Jurisdiction	BUCHANAN MO
Township / Civil Division	AGENCY
Census Block Group	3
Census Block	3050
Census Tract	2800

Owner

Source: Buchanan County records, as of May 27, 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	6 LAKES DR, AGENCY, MO 64401-9111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2020	Warranty Deed, Transfer · Conventional Mortgage COMMUNITYAMERICA CU
Oct 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Prior Sale	Aug 1, 2016 · Amount on Record
Deed Document Number	202011995
Deed Book / Page	3756 / 800
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Dec 17, 2020
Property Address	6 LAKES DR, AGENCY, MO 64401-9111
Document Number	003756/800
Book / Page	3756 / 800
Instrument Date	Dec 15, 2020
Instrument	2020011995
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART 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	6 LAKES DR, AGENCY, MO 64401-9111

Mortgage

Document Number	2020011996
Date	Dec 17, 2020
Instrument	2020011996

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	6 LAKES DR, AGENCY, MO 64401-9111
Transaction Type	Mortgage
Record Updated	Dec 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018009477
Date	Oct 9, 2018
Instrument	2018009477

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 24, 2038

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Buchanan County assessment roll, as of November 4, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Buchanan County
Unified School District	Mid-Buchanan County R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,209.00	$46,660 (+5.71%) Land $6,140 Building $40,520	$245,570 (+5.7%) Land $32,300 Building $213,270
2024	$3,209.00 (+5.11%)
2023	$3,053.00 (-0.2%)	$44,140 (-) Land $6,140 Building $38,000	$232,320 (-) Land $32,300 Building $200,020
2022	$3,059.00	$44,140 Land $6,140 Building $38,000
2021			$232,320 Land $32,300 Building $200,020

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

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 in force
Nearby Flood Claims	13 (1993–2021)
Claims Outside the SFHA	10 of 13
Most Recent Claim	Jun 2021 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2019 · 3 claims Severe Storms And Flooding, May 2007 · 5 claims Severe Storms & Flooding, Sep 1993 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · above 72% of Missouri
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MO AMERICAN ST JOSEPH private · serves 89,171 people · EPA ID MO1010714
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Verizon.

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