197 Rivers Edge Rd, Ozark, MO 65721 Property Records

Christian County property record for 197 Rivers Edge Rd, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 3,075 sqft · built 2008
Lot Size	5.11 acres (222,592 sqft)
Owner	2 Company Names on Record
Last Sale	$172,900 (May 2023)
Tax Bill	$11,761 (2025)
Deeds & Mortgages	Aug 2023 Transfer Apr 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`12-0.4-17-0-0-5.003`

Property Details

APN / Parcel Number

Primary APN	`12-0.4-17-0-0-5.003`
Alternative APN	`12-0.4-17-000-000-005.003`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	3,075 sqft Living Area
1st Floor Area	3,075 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick/Wood
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Asbestos
Lot Area	222,592 sqft (5.11 acres)
Garage Area	1,569 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	197 RIVERS EDGE RD
City	OZARK
State	MO
Zip	65721-6428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 THE BLUFFS @ RIVERSIDE
Legal Range	20W
Legal Township	27N
Legal Section	17
Legal Subdivision	THE BLUFFS @ RIVERSIDE
Legal Lot Number	15
Jurisdiction	CHRISTIAN MO
Township / Civil Division	LINDEN
Census Block Group	2
Census Block	2010
Census Tract	20310

Owner

Source: Christian County records, as of October 20, 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	197 RIVERS EDGE RD, OZARK, MO 65721-6428
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Intrafamily Transfer, Transfer
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 10, 2023	Intrafamily Transfer, Transfer · Line of Credit CENTRAL TRUST BANK
May 16, 2023	Intrafamily Transfer, Transfer
Jun 4, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Apr 6, 2020	Deed of Trust, Mortgage BANCORPSOUTH
Feb 17, 2017	Deed of Trust, Mortgage BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2023 · Amount on Record
Deed Sale	May 10, 2023 · Amount on Record
Prior Sale	Jun 4, 2021 · Amount on Record
Deed Document Number	20235088
Deed Book / Page	2023 / 5014
Last Transfer Date	Aug 23, 2023
Transfer Doc	0202309111
Record Updated	Oct 29, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHRISTIAN MO
Recording Date	Aug 23, 2023
Property Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428
Document Number	0202309111
Book / Page	2023 / 9111
Instrument Date	Aug 23, 2023
Instrument	2023L09233
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428
Transaction Type	Mortgage
Record Updated	Jul 28, 2023
Title Company	HOAGLAND TITLE COMPANY, HOGAN LAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428

Mortgage

Document Number	0202206110
Date	Apr 26, 2022
Book Page	2022/6110
Instrument	2022L06170

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHRISTIAN MO
Recording Date	May 10, 2023
Property Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428
Document Number	0202305014
Book / Page	2023 / 5014
Instrument Date	Apr 17, 2023
Instrument	2023L05088
Transaction Type	Transfer
Record Updated	Jul 28, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428

Mortgage

Document Number	2023L05089
Date	May 10, 2023
Instrument	2023L05089

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 9, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHRISTIAN MO
Recording Date	May 16, 2023
Property Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428
Document Number	0202305299
Book / Page	2023 / 5299
Instrument Date	Apr 17, 2023
Instrument	2023L05377
Transaction Type	Transfer
Record Updated	Jul 28, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Jun 4, 2021
Property Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428
Document Number	0202110406
Book / Page	2021 / 10406
Instrument Date	Jun 4, 2021
Instrument	2021L10491
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	HOAGLAND TITLE COMPANY, HOGAN LAND TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Living Trust
Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428

Mortgage

Document Number	2021L10492
Date	Jun 4, 2021
Instrument	2021L10492

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428
Document Number	0202004930
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	197 RIVERS EDGE RD OZARK MO 657216428, OZARK, MO 65721-6428

Mortgage

Document Number	0202004930
Date	Apr 15, 2020
Book Page	002020/004930
Instrument	4983

Lender

Name	BANCORPSOUTH
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 14, 2025

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	197 RIVERS EDGE RD, OZARK, MO 65721-6428
Document Number	0201702053
Book / Page	002017 / 002053
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	Mar 28, 2017
Title Company	HOGAN LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	197 RIVERS EDGE RD OZARK MO 657216428, OZARK, MO 65721-6428

Mortgage

Document Number	0201702053
Date	Feb 21, 2017
Book Page	002017/002053
Instrument	2075

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Feb 20, 2042

Interest

Rate Type	Adjustable Rate
Rate	3.62%

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	$11,761.00 (+6.32%)	$206,820 (+7.19%)	$1,088,500 (+7.19%) Land $66,100 Building $1,022,400
2024	$11,062.00
2023		$192,950 (+8.7%)	$1,015,500 (+8.7%) Land $66,100 Building $949,400
2022		$177,500
2021			$934,200 Land $65,000 Building $869,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	May 2025 · 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

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

Wildfire Risk	Moderate above 52% of the US · above 75% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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