103 Penick Ln, Ozark, MO 65721 Property Records

Christian County property record for 103 Penick Ln, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,586 sqft · built 2016
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,271 (2024)
Deeds & Mortgages	Nov 2023 Sale Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-0.9-32-0-0-14.010`

Property Details

APN / Parcel Number

Primary APN	`4-0.9-32-0-0-14.010`
Alternative APN	`04-0.9-32-000-000-014.010`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Building Area	2,586 sqft Living Area
1st Floor Area	2,586 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Roof Type	Hip
Roof Material	Asbestos
Lot Area	130,680 sqft (3 acres)
Garage Area	2,400 sqft
Parking Spaces	9 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	103 PENICK LN
City	OZARK
State	MO
Zip	65721-7203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 MONTREUX ESTATES
Legal Range	21
Legal Township	28
Legal Section	32
Legal Subdivision	MONTREUX ESTATES
Legal Lot Number	7
Jurisdiction	CHRISTIAN MO
Township / Civil Division	CASSIDY
Census Block Group	1
Census Block	1004
Census Tract	20307

Owner

Source: Christian County records, as of January 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 PENICK LN, OZARK, MO 65721-7203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2023	Warranty Deed, Transfer HOAGLAND TITLE COMPANY, HOGAN LAND TITLE COMPANY
Apr 30, 2020	Deed of Trust, Mortgage CENTRAL BK/THE OZARKS
Jul 31, 2019	Warranty Deed, Transfer CENTRAL BK/THE OZARKS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2023
Deed Sale	Nov 21, 2023
Prior Sale	Jul 31, 2019 · Amount on Record
Deed Document Number	202312957
Deed Book / Page	2023 / 12788
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Nov 21, 2023
Property Address	103 PENICK LN, OZARK, MO 65721-7203
Document Number	0202312788
Book / Page	2023 / 12788
Instrument Date	Nov 21, 2023
Instrument	2023L12957
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	HOAGLAND TITLE COMPANY, HOGAN LAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 PENICK LN, OZARK, MO 65721-7203
Investor	Possibly a Property Investor

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	103 PENICK LN, OZARK, MO 65721-7203
Document Number	0202006065
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	TITAN TITLE AND CLOSING/MO, TITAN TITLE & CLOSING/MO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 PENICK LN OZARK MO 657217203, OZARK, MO 65721-7203

Mortgage

Document Number	0202006065
Date	May 5, 2020
Book Page	002020/006065
Instrument	6123

Lender

Name	CENTRAL BK/THE OZARKS
Address	SPRINGFIELD, MO 65808-3397

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Jul 31, 2019
Property Address	103 PENICK LN, OZARK, MO 65721-7203
Document Number	0201909736
Book / Page	002019 / 009736
Instrument Date	Jun 28, 2019
Instrument	9838
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	TITAN TITLE AND CLOSING/MO, TITAN TITLE & CLOSING/MO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 PENICK LN OZARK MO 657217203, OZARK, MO 65721-7203

Mortgage

Document Number	201909737
Date	Jul 31, 2019
Book Page	002019/009737
Instrument	9839

Lender

Name	CENTRAL BK/THE OZARKS
Address	SPRINGFIELD, MO 65808-3397

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2049

Tax Assessment & Valuation

Source: Christian County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Christian County
Unified School District	Ozark R-VI School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$107,430 (+2.58%)	$565,400 (+2.58%) Land $90,000 Building $475,400
2024	$6,271.00
2023		$104,730	$551,200 Land $90,000 Building $461,200

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, effective November 1, 2023 · 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	4 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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.

Wildfire

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

Wildfire Risk	Moderate above 47% of the US · above 57% of Missouri
Wildfire Likelihood	0.09% 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	CEDAR HILL APTS private · serves 102 people · EPA ID MO5079527
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	Under 1 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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