641 W Elm St, Aurora, MO 65605 Property Records

Lawrence County property record for 641 W Elm St, Aurora, MO 65605

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1977
Lot Size	0.255 acres (11,088 sqft)
Owner	Individual Name on File
Last Sale	$53,100 (Jun 2016)
Tax Bill	$670 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`196013002009023000`

Property Details

APN / Parcel Number

Primary APN	`196013002009023000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,088 sqft (0.255 acres)
Lot Dimensions	132 ft deep x 84.3 ft wide

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	641 W ELM ST
City	AURORA
State	MO
Zip	65605-1834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELM ST,W,641; LT 10 BLK 1 THACH #2 - AURORA
Legal Range	26
Legal Township	26
Legal Section	13
Legal Subdivision	THACH ADD 2
Legal Block	1
Legal Lot Number	10
Jurisdiction	LAWRENCE MO
Township / Civil Division	AURORA
Census Block Group	1
Census Block	1072
Census Tract	470601

Owner

641 W Elm St is owned by an individual who bought it in June 2016.

Source: Lawrence County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	12012 E ARIZONA DR, AURORA, CO 80012-4247
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
Oct 7, 2025	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK
Jun 22, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK
Jun 27, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2016 · Amount on File
Deed Sale	Jun 13, 2016 · Amount on File
Deed Document Number	20162883
Deed Book / Page	452 / 2577
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	641 W ELM ST, AURORA, MO 65605-1834
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12012 E ARIZONA DR, AURORA, CO 80012-4247

Mortgage

Document Number	02025/4961
Date	Oct 7, 2025
Book Page	2025/4961
Instrument	2025004961

Lender

Name	AMERICAN BANK
Type	Bank
Address	BAXTER SPRINGS, KS 66713

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	641 W ELM ST, AURORA, MO 65605-1834
Transaction Type	Mortgage
Record Updated	Jul 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12012 E ARIZONA DR, AURORA, CO 80012-4247

Mortgage

Document Number	00459/2538
Date	Jun 22, 2023
Book Page	459/2538
Instrument	2023-00002574

Lender

Name	AMERICAN BANK
Type	Bank
Address	BAXTER SPRINGS, KS 66713

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAWRENCE MO
Recording Date	Jun 27, 2022
Property Address	641 W ELM ST, AURORA, MO 65605-1834
Document Number	00458/3697
Book / Page	458 / 3697
Instrument Date	Jun 22, 2022
Instrument	2022-00003721
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12012 E ARIZONA DR, AURORA, CO 80012-4247

Tax Assessment & Valuation

The 2025 property tax bill for 641 W Elm St was $670.

Source: Lawrence County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Aurora City
County	Lawrence County
Unified School District	Aurora R-VIII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$13,390 (-) Land $1,820 Building $11,570
2025	$670.00	$13,390 Land $1,820 Building $11,570	$64,474
2024	$670.00 (+9.12%)
2023	$614.00 (+6.6%)	$12,250 Land $1,820 Building $10,430	$64,474
2022	$576.00

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 641 W Elm St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (2021)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2021 · rainfall accumulation

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

Wildfire risk around 641 W Elm 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 95% of the US · lower than 93% 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	LIBERTY UTILITIES AURORA VERONA private · serves 8,529 people · EPA ID MO5010038
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 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	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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ozark Fiber Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

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