98 Main St, Agency, MO 64401 Property Records

Buchanan County property record for 98 Main St, Agency, MO 64401

Property Summary

Property Type	Rural Home
Details	2,400 sqft · built 1910
Lot Size	15.3 acres (667,775 sqft)
Owner	2 Company Names on Record
Tax Bill	$1,034 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2025 Transfer + 1 more
APN	`10-4.0-20-003-000-005.000`

Property Details

APN / Parcel Number

Primary APN	`10-4.0-20-003-000-005.000`

Interior

Building Area	2,400 sqft Base Area
1st Floor Area	2,400 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	667,775 sqft (15.3 acres)

Location & Zoning

Street Address	98 MAIN ST
City	AGENCY
State	MO
Zip	64401-9179
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CITY
Legal Description	20-56-34SWSUB: LOT: BLK:LGL DESC:TOWN OF AGENCY W PRT OF SW OF SW4 BEG PNT 50' N OF NE COR L11 AB COAT'S ADD TH NWLY ALG MAIN ST 1040' NW 700' SELY ALG RT FF1055' NE 363' SE 300' E 280' TO POB
Legal Range	34W
Legal Township	56N
Legal Section	20
Legal Subdivision	TOWN OF AGENCY
Jurisdiction	BUCHANAN MO
Township / Civil Division	AGENCY
Census Block Group	3
Census Block	3078
Census Tract	2800

Owner

Source: Buchanan 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	2 Company Names on Record
Mailing Address	98 MAIN ST, AGENCY, MO 64401-9179
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit POSTAL & COMMUNITY CU
Oct 20, 2025	Intrafamily Transfer, Transfer
May 2, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 10, 2025
Transfer Doc	003812/641
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	98 MAIN ST, AGENCY, MO 64401-9179
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 MAIN ST, AGENCY, MO 64401-9179

Mortgage

Document Number	003811/719
Date	Sep 23, 2025
Book Page	3811/719
Instrument	2025007775

Lender

Name	POSTAL & COMMUNITY CU
Type	Credit Union
Address	SAINT JOSEPH, MO 64506

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	Oct 20, 2025
Property Address	98 MAIN ST, AGENCY, MO 64401-9179
Document Number	003812/641
Book / Page	3812 / 641
Instrument Date	Oct 10, 2025
Instrument	2025008718
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 MAIN ST, AGENCY, MO 64401-9179

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	May 2, 2025
Property Address	98 MAIN ST, AGENCY, MO 64401-9179
Document Number	003807/190
Book / Page	3807 / 190
Instrument Date	May 2, 2025
Instrument	2025003197
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 MAIN ST, AGENCY, MO 64401-9179

Tax Assessment & Valuation

Source: Buchanan County assessment roll, as of November 4, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Agency Village
County	Buchanan County
Unified School District	Mid-Buchanan County R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,034.00	$14,480 (+8.06%) Land $4,940 Building $9,540	$78,700 (+4.16%) Land $29,520 Building $49,180
2024	$1,034.00 (+3.92%)
2023	$995.00 (-0.2%)	$13,400 (-) Land $4,940 Building $8,460	$75,560 (-) Land $29,520 Building $46,040
2022	$997.00	$13,400 Land $4,940 Building $8,460
2021			$75,560 Land $29,520 Building $46,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 in force
Nearby Flood Claims	13 (1993–2021)
Claims Outside the SFHA	10 of 13
Most Recent Claim	Jun 2021 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2019 · 3 claims Severe Storms And Flooding, May 2007 · 5 claims Severe Storms & Flooding, Sep 1993 · 4 claims

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST JOSEPH private · serves 89,171 people · EPA ID MO1010714
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2023–2025) 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Main St

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