1148 W River Bluff Dr, Ozark, MO 65721 Property Records

Christian County property record for 1148 W River Bluff Dr, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 5,635 sqft · built 1982
Lot Size	2.66 acres (115,870 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	Feb 2020 Line of Credit May 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-0.5-15-0-0-3`

Property Details

APN / Parcel Number

Primary APN	`11-0.5-15-0-0-3`
Alternative APN	`11-0.5-15-000-000-003.000`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Plumbing Fixtures	11 Plumbing Fixtures
Building Area	5,635 sqft Adjusted Area
1st Floor Area	2,231 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Exterior Material	Brick Veneer
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Asphalt
Lot Area	115,870 sqft (2.66 acres)

Location & Zoning

Street Address	1148 W RIVER BLUFF DR
City	OZARK
State	MO
Zip	65721-7245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 2 NEC NE NE W728.53 W200 S25 THENCE E50 SW364.33 NW290.14 W80 N250 E TO POB ( SB-190 APPROVED APPLICANT )
Legal Range	21
Legal Township	27
Legal Section	15
Legal Subdivision	6000 OZARK OUT
Legal Tract	2
Jurisdiction	CHRISTIAN MO
Township / Civil Division	RIVERSIDE
Census Block Group	4
Census Block	4019
Census Tract	20310

Owner

1148 W River Bluff Dr is owned and occupied by two individuals who acquired it in June 1994.

Source: Christian County records, as of January 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1148 W RIVER BLUFF DR, OZARK, MO 65721-7245
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 13, 2020	Deed of Trust, Construction Loan · Line of Credit STATE BK/SW MO
May 10, 2019	Trustee's Deed, Construction Loan · Construction Mortgage STATE BK/SW MO
Jan 11, 2019	Warranty Deed, Transfer PREFERRED TITLE/MO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 1994
Deed Sale	Jun 1, 1994
Deed Document Number	0299004946
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Recording Date	Feb 13, 2020
Property Address	1148 W RIVER BLUFF DR, OZARK, MO 65721-7245
Document Number	0202001904
Book / Page	002020 / 001904
Instrument Date	Feb 7, 2020
Instrument	1924
Transaction Type	Construction Loan
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3708 N 10TH ST OZARK MO 657215719, OZARK, MO 65721-5719

Mortgage

Document Number	0202001904
Date	Feb 13, 2020
Book Page	002020/001904
Instrument	1924

Lender

Name	STATE BK/SW MO
Type	Bank
Address	SPRINGFIELD, MO 65808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 12, 2021

Interest

Rate Type	Adjustable Rate

May 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHRISTIAN MO
Recording Date	May 10, 2019
Property Address	1148 W RIVER BLUFF DR, OZARK, MO 65721-7245
Book / Page	002019 / 005449
Instrument Date	Feb 28, 2019
Instrument	5508
Transaction Type	Construction Loan
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 W LANDSDOWNE DR OZARK MO 657217990, OZARK, MO 65721-7990

Mortgage

Document Number	0201905449
Date	May 10, 2019
Book Page	002019/005449
Instrument	5508

Lender

Name	STATE BK/SW MO
Type	Bank
Address	SPRINGFIELD, MO 65808

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 9, 2020

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Jan 11, 2019
Property Address	1148 W RIVER BLUFF DR, OZARK, MO 65721-7245
Document Number	0201900371
Book / Page	002019 / 000371
Instrument Date	Jan 11, 2019
Instrument	379
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	PREFERRED TITLE/MO INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 W LANDSDOWNE DR OZARK MO 657217990, OZARK, MO 65721-7990

Tax Assessment & Valuation

Source: Christian County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$64,870	$341,400 Land $58,200 Building $283,200
2023	$59,760	$314,500 Land $58,200 Building $256,300

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

Flood

FEMA maps place 1148 W River Bluff Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2008.

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	2 in force
Nearby Flood Claims	8 (2008–2025)
Claims Outside the SFHA	1 of 8
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2015 · 2 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

Wildfire risk around 1148 W River Bluff Dr is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 69% of Missouri
Wildfire Likelihood	0.1% 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	OZARK PWS serves 23,248 people · EPA ID MO5010619
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	1 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	2 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

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