826 Terrace Dr, Aurora, MO 65605 Property Records

Lawrence County property record for 826 Terrace Dr, Aurora, MO 65605

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,825 sqft · built 1986
Lot Size	0.343 acres (14,946 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Sep 2007)
Tax Bill	$1,962 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`196014001003006000`

Property Details

APN / Parcel Number

Primary APN	`196014001003006000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,825 sqft Living Area
1st Floor Area	1,825 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,946 sqft (0.343 acres)
Lot Dimensions	141 ft deep x 106 ft wide

Location & Zoning

Street Address	826 TERRACE DR
City	AURORA
State	MO
Zip	65605-1964
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRACE DR,826; LT 37 SIMPSON'D S/D - AURORA
Legal Range	26
Legal Township	26
Legal Section	14
Legal Subdivision	SIMPSOND
Legal Lot Number	37
Jurisdiction	LAWRENCE MO
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2005
Census Tract	470601

Owner

826 Terrace Dr is owned and occupied by two individuals who acquired it in November 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	826 TERRACE DR, AURORA, MO 65605-1964
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit FIRST INDEPENDENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2007 · Amount on File
Deed Sale	Sep 12, 2007 · Amount on File
Deed Document Number	20076813
Deed Book / Page	431 / 90
Last Transfer Date	Nov 19, 2008
Transfer Doc	437/011
Record Updated	Sep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAWRENCE MO
Recording Date	Feb 25, 2022
Property Address	826 TERRACE DR, AURORA, MO 65605-1964
Document Number	00458/1129
Book / Page	458 / 1129
Instrument Date	Feb 24, 2022
Instrument	2022-00001133
Transaction Type	Transfer
Record Updated	Apr 11, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	826 TERRACE DR, AURORA, MO 65605-1964

Mortgage

Document Number	0004581130
Date	Feb 25, 2022
Instrument	458/1130

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MO
Property Address	826 TERRACE DR, AURORA, MO 65605-1964
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18515 LAWRENCE 1182, AURORA, MO 65605-7313

Mortgage

Document Number	457/7099
Date	Nov 22, 2021
Book Page	457/7099
Instrument	2021-00007158

Lender

Name	FIRST INDEPENDENT BANK
Type	Bank
Address	AURORA, MO 65605

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 826 Terrace Dr was $1,962.

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		$39,200 (-) Land $2,360 Building $36,840
2025	$1,962.00	$39,200 Land $2,360 Building $36,840	$187,211
2024	$1,962.00 (+9.98%)
2023	$1,784.00 (+7.34%)	$35,570 Land $2,360 Building $33,210	$187,211
2022	$1,662.00

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 826 Terrace Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective August 2, 2012 · 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 Policies	3 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	May 2021 · river or lake 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.

Wildfire

Wildfire risk around 826 Terrace Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 172 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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