Caldwell County property record for 7645 Carmen Ln, Polo, MO 64671
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,344 sqft · built 2023 |
| Lot Size | 11.7 acres (509,652 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,333 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-8-28-8.05 |
| Primary APN | 12-8-28-8.05 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 509,652 sqft (11.7 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 464 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 7645 CARMEN LN |
|---|---|
| City | POLO |
| State | MO |
| Zip | 64671-4500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 28-55-29 LOT 4B OF SWEET RIDGE SUBDIVISION |
| Legal Range | 29 |
| Legal Township | 55 |
| Legal Section | 28 |
| Legal Subdivision | SWEET RIDGE SUBDIVISION |
| Legal Lot Number | 4B |
| Jurisdiction | CALDWELL MO |
| Township / Civil Division | ROCKFORD |
| Census Block Group | 2 |
| Census Block | 2122 |
| Census Tract | 950201 |
7645 Carmen Ln is owned and occupied by two individuals.
Source: Caldwell County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7645 CARMEN LN, POLO, MO 64671-4500 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL MO |
| Recording Date | Oct 31, 2025 |
| Property Address | 7645 CARMEN LN, POLO, MO 64671-4500 |
| Document Number | 02025/1441 |
| Book / Page | 2025 / 1441 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 69429 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | SECURITY FIRST TITLE, SECURITY 1ST TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7645 CARMEN LN, POLO, MO 64671-4500 |
| Document Number | 0000069430 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 69430 |
| Name | EQUITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2025 property tax bill for 7645 Carmen Ln was $2,333, up 223.6% from the year before.
Source: Caldwell County assessment roll, as of January 20, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Caldwell County |
| County Subdivision | Rockford Township |
| Unified School District | Lathrop R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,333.00 (+223.58%) | $32,970 Land $2,200 Building $30,770 | $174,450 Land $12,480 Building $161,970 |
| 2024 | $721.00 | ||
| 2023 | $380 Land $380 | $3,130 Land $3,130 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7645 Carmen Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 16, 2015 · 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 7645 Carmen Ln is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 55% 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 | CLINTON CO PWSD 4 SYS 1 serves 4,968 people · EPA ID MO1024156 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Total trihalomethanes resolved · Jan 2026 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| Internet and Communication Associates of Northern Missouri Fixed Wireless | 50 / 10 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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