Lafayette County property record for 645 Chestnut St, Napoleon, MO 64074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,540 sqft · built 1975 |
| Lot Size | 0.599 acres (26,106 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $954 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-6.0-23-0-000-010.000 |
| Primary APN | 12-6.0-23-0-000-010.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,540 sqft Living Area |
| Basement Area | 1,540 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 26,106 sqft (0.599 acres) |
| Lot Dimensions | 125 ft deep x 208 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 645 CHESTNUT ST |
|---|---|
| City | NAPOLEON |
| State | MO |
| Zip | 64074-9125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STRIPS IN NAPOLEON BEING PT OF W1/2 OF SE1/4; 564-648 |
| Legal Range | 29 |
| Legal Township | 50 |
| Legal Section | 23 |
| Jurisdiction | LAFAYETTE MO |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2094 |
| Census Tract | 90100 |
Source: Lafayette 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 | Individual Name on Record |
|---|---|
| Mailing Address | 645 CHESTNUT ST, NAPOLEON, MO 64074-9125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MO |
| Property Address | 645 CHESTNUT ST, NAPOLEON, MO 64074-9125 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021DR1656 |
|---|---|
| Date | Apr 2, 2021 |
| Instrument | 2021DR1656 |
| Name | PREFERRED BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2031 |
| Rate Type | Adjustable Rate |
|---|
Source: Lafayette County assessment roll, as of October 28, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Lafayette County |
| Municipality | Napoleon City |
| Unified School District | Wellington-Napoleon R-IX School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $954.00 | $11,174 (+14.01%) | $58,810 (+14%) Land $25,750 Building $33,060 |
| 2023 | $9,801 | $51,586 Land $22,586 Building $29,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2007 · Severe Storms And 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 76% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | LAFAYETTE COUNTY PWSD 1 serves 8,250 people · EPA ID MO1024324 |
|---|---|
| Water Source | Purchased groundwater from INDEPENDENCE PWS |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
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