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

Lawrence County property record for 638 E Kirby St, Mount Vernon, MO 65712

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,230 sqft · built 1900
Lot Size	0.38 acres (16,560 sqft)
Owner	Individual Name on Record
Tax Bill	$798 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`099031001009026000`

Property Details

APN / Parcel Number

Primary APN	`099031001009026000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,230 sqft Living Area
1st Floor Area	1,230 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Roof Type	Gable
Lot Area	16,560 sqft (0.38 acres)
Lot Dimensions	120 ft deep x 137 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	160 sqft

Location & Zoning

Street Address	638 E KIRBY ST
City	MOUNT VERNON
State	MO
Zip	65712-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE E107.5' OF S120' OF LOT 1; ALSO BEG ATSE COR OF LOT 1; N120' E30' LONG DESC
Legal Range	26
Legal Township	28
Legal Section	31
Legal Subdivision	KIRBYS 2ND SUBDIVISION
Legal Lot Number	1
Jurisdiction	LAWRENCE MO
Township / Civil Division	MOUNT VERNON
Census Block Group	3
Census Block	3016
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	Individual Name on Record
Mailing Address	638 E KIRBY ST, MOUNT VERNON, MO 65712-1343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2013
Deed Sale	Jul 25, 2013
Deed Document Number	20134062
Deed Book / Page	449 / 3658
Prior Transfer Date	Jul 24, 2013
Prior Transfer Doc	00449/3658
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	638 E KIRBY ST, MOUNT VERNON, MO 65712-1343
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 E KIRBY ST, MOUNT VERNON, MO 65712-1343

Mortgage

Document Number	00457/7317
Date	Dec 3, 2021
Book Page	457/7317
Instrument	2021-00007377

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

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		$17,310 (-) Land $3,040 Building $14,270
2025	$798.00 (+0.13%)	$17,310 (+8.73%) Land $3,040 Building $14,270	$83,789 (-)
2024	$797.00 (+1.4%)
2023	$786.00 (+6.22%)	$15,920 Land $3,040 Building $12,880	$83,789
2022	$740.00

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 115 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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