Dallas County property record for 640 S Locust St, Buffalo, MO 65622
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,644 sqft · built 2008 |
| Lot Size | 0.482 acres (21,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $371,636 (Apr 2025) |
| Tax Bill | $1,077 (2025) |
| Deeds & Mortgages | Mar 2008 Mortgage May 2013 Reverse Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-7.0-26-004-000-009.030 |
| Primary APN | 09-7.0-26-004-000-009.030 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,644 sqft Base Area |
| 1st Floor Area | 1,644 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 21,000 sqft (0.482 acres) |
| Lot Dimensions | 175 ft deep x 120 ft wide |
| Utility Building | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 640 S LOCUST ST |
|---|---|
| City | BUFFALO |
| State | MO |
| Zip | 65622-7407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM SW COR SE 1/2, W 433.8', N 18 DEG E 1526.4', N 733.20' TO POB, N 120', E 175', S 120', W 175' TO POB, SUBJECT TO R0ADS & |
| Legal Range | 20W |
| Legal Township | 34N |
| Legal Section | 26 |
| Jurisdiction | DALLAS MO |
| Township / Civil Division | SOUTH BENTON |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 480200 |
Source: Dallas County records, as of April 16, 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 | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 3, 2008 | Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC |
| May 9, 2013 | Deed of Trust, Mortgage · Reverse Mortgage NEW DAY FINANCIAL LLC |
| Apr 8, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR |
| Apr 29, 2025 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 21, 2025 | Warranty Deed, Transfer |
| Jan 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF BOLIVAR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2025 · Amount on Record |
| Deed Sale | Apr 29, 2025 · Amount on Record |
| Prior Sale | Jan 13, 2020 · Amount on Record |
| Deed Document Number | 2025928 |
| Deed Book / Page | 2025 / 928 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DALLAS MO |
| Property Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00351/0636 |
|---|---|
| Date | Mar 3, 2008 |
| Book Page | 351/0636 |
| Instrument | 2008-0601 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DALLAS MO |
| Property Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02013/1057 |
|---|---|
| Date | May 9, 2013 |
| Book Page | 2013/1057 |
| Instrument | 201301057 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 892 Months |
| Due | Sep 2, 2087 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.69% |
| Type Change Date | Jul 1, 2013 |
| Change Frequency | Monthly |
| Index | 1-Month LIBOR |
| Max Rate | 12.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DALLAS MO |
| Recording Date | Apr 8, 2026 |
| Property Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Document Number | 0000000810 |
| Book / Page | 2026 / 810 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 2026810 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Document Number | 0000000810, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 2026/810 |
| Instrument | 2026810 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DALLAS MO |
| Recording Date | Apr 29, 2025 |
| Property Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Document Number | 002025/928 |
| Book / Page | 2025 / 928 |
| Instrument Date | Apr 28, 2025 |
| Instrument | 202500928 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Document Number | 0202500929 |
|---|---|
| Date | Apr 29, 2025 |
| Instrument | 202500929 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DALLAS MO |
| Recording Date | Mar 21, 2025 |
| Property Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Document Number | 002025/571 |
| Book / Page | 2025 / 571 |
| Instrument Date | Mar 18, 2025 |
| Instrument | 202500571 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DALLAS MO |
| Recording Date | Jan 13, 2020 |
| Property Address | 640 S LOCUST ST, BUFFALO, MO 65622-7407 |
| Document Number | 02020/0069 |
| Book / Page | 2020 / 0069 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 202000069 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 N LOCUST ST, BUFFALO, MO 65622-7519 |
| Document Number | 0202000070 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 202000070 |
| Name | BANK OF BOLIVAR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
Source: Dallas County assessment roll, as of January 23, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Dallas County |
| Municipality | Buffalo City |
| Unified School District | Dallas County R-I School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,077.00 (+7.49%) | $24,220 (-0.41%) | $127,500 (-0.39%) Land $22,900 Building $104,600 |
| 2024 | $1,002.00 (+1.21%) | $24,320 (+8.81%) | |
| 2023 | $990.00 | $22,350 | $128,000 Land $22,900 Building $105,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective April 19, 2010
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 47% of Missouri |
|---|---|
| Wildfire Likelihood | 0.08% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BUFFALO PWS serves 3,462 people · EPA ID MO5010114 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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