610 E Summer St, Monroe City, MO 63456 Property Records

Monroe County property record for 610 E Summer St, Monroe City, MO 63456

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,198 sqft · built 1972
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$46,000 (Oct 2019)
Tax Bill	$602 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-4.0-18-002-027-003.000`

Property Details

APN / Parcel Number

Primary APN	`01-4.0-18-002-027-003.000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,198 sqft Adjusted Area
Gross Area	960 sqft
1st Floor Area	1,080 sqft
Flooring	Hardwood
Interior Walls	Paneling

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	610 E SUMMER ST
City	MONROE CITY
State	MO
Zip	63456-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 & 6 BLOCK 9 WARNER'S 2ND ADDITION MONROE CITY
Legal Range	07W
Legal Township	56N
Legal Section	18
Legal Subdivision	WARNER'S 2ND ADDITION
Legal Block	9
Legal Lot Number	5-6
Jurisdiction	MONROE MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1015
Census Tract	960100

Owner

Source: Monroe County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	610 E SUMMER ST, MONROE CITY, MO 63456-1743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage F AND M BANK AND TRUST COMPANY
Sep 18, 2024	Deed of Trust, Mortgage · Line of Credit F & M BANK & TRUST CO
Oct 23, 2019	Warranty Deed, Transfer · Conventional Mortgage F & M BANK & TRUST CO
Nov 7, 2008	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2019 · Amount on Record
Deed Sale	Oct 23, 2019 · Amount on Record
Prior Sale	Nov 7, 2008 · Amount on Record
Deed Document Number	20191384
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MO
Recording Date	May 11, 2026
Property Address	610 E SUMMER ST, MONROE CITY, MO 63456-1743
Document Number	0000000594
Instrument Date	May 5, 2026
Instrument	2026594
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E SUMMER ST, MONROE CITY, MO 63456-1743

Mortgage

Document Number	0000000594,
Date	May 11, 2026
Instrument	2026594

Lender

Name	F AND M BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MO
Property Address	610 E SUMMER ST, MONROE CITY, MO 63456-1743
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020240971
Date	Sep 18, 2024
Instrument	2024-0971

Lender

Name	F & M BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	108 Months
Due	Sep 1, 2033

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MO
Recording Date	Oct 23, 2019
Property Address	610 E SUMMER ST, MONROE CITY, MO 63456-1743
Document Number	0020191384
Instrument Date	Oct 18, 2019
Instrument	2019-1384
Transaction Type	Transfer
Record Updated	Feb 12, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E SUMMER ST, MONROE CITY, MO 63456-1743

Mortgage

Document Number	0020191386
Date	Oct 23, 2019
Instrument	2019-1386

Lender

Name	F & M BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

November 2008: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONROE MO
Recording Date	Nov 7, 2008
Property Address	610 E SUMMER ST, MONROE CITY, MO 63456-1743
Document Number	00331/0045
Book / Page	331 / 0045
Instrument Date	Nov 7, 2008
Transaction Type	Foreclosure
Record Updated	Feb 12, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 S MAIN ST APT 201, 201, HANNIBAL, MO 63401-4432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2027 BRIARGATE LN, KIRKWOOD, MO 63122-5115

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of February 12, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Monroe County
Municipality	Monroe City
Unified School District	Monroe City R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$8,510 (-)	$44,800 (-)
2025	$602.00 (+46.47%)	$8,510 (+23.15%)	$44,800 (+23.08%) Land $4,800 Building $40,000
2023		$6,910	$36,400
2020	$411.00

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

Source: FEMA National Flood Hazard Layer, effective October 17, 2006 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1996–1998)
Most Recent Claim	Apr 1998 · river or lake 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

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

Wildfire Risk	Not rated no burnable land within 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	MONROE CITY PWS serves 2,500 people · EPA ID MO2010538
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids not recorded as resolved · Apr 2026 Turbidity resolved · Jun 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Mark Twain Communications Company Fixed Wireless	300 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Chariton Valley Communication, Ralls Technologies.

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