23 Cove Rd, Rocky Mount, MO 65072 Property Records

Miller County property record for 23 Cove Rd, Rocky Mount, MO 65072

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,520 sqft · built 1989
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$172,900 (Dec 2022)
Tax Bill	$1,174 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12820`

Property Details

APN / Parcel Number

Primary APN	`12820`
Alternative APN	`132010003001041000`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,520 sqft Living Area
1st Floor Area	336 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	1,930 ft deep x 1,080 ft wide
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	12820
Street Address	23 COVE RD
City	ROCKY MOUNT
State	MO
Zip	65072-3203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 91 & 92 OZARK SHORES FIRST ADD
Legal Range	16W
Legal Township	40N
Legal Section	10
Legal Subdivision	OZARK SHORES
Legal Lot Number	91-92
Jurisdiction	MILLER MO
Township / Civil Division	GLAZE
Census Block Group	2
Census Block	2009
Census Tract	962701

Owner

23 Cove Rd is owned and occupied by two individuals who bought it in December 2022.

Source: Miller County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23 COVE RD, ROCKY MOUNT, MO 65072-3203
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
Aug 1, 2019	Deed of Trust, Mortgage · ARM CENTRAL BANK OF LAKE OF THE OZARKS
Dec 5, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage INFUZE CU
May 14, 2021	Intrafamily Transfer, Transfer FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2022 · Amount on File
Deed Sale	Dec 5, 2022 · Amount on File
Prior Sale	Oct 22, 2008 · Amount on File
Deed Document Number	20225884
Deed Book / Page	2022 / 5884
Prior Transfer Date	May 14, 2021
Prior Transfer Doc	02021/2626
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLER MO
Property Address	23 COVE RD, ROCKY MOUNT, MO 65072-3203
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3035
Date	Aug 1, 2019
Book Page	2019/3035
Instrument	201903035

Lender

Name	CENTRAL BANK OF LAKE OF THE OZARKS
Type	Bank
Address	OSAGE BEACH, MO 65065

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.87%
Index	1-Year CMT
Margin	3
Max Rate	9.87%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLER MO
Recording Date	Dec 5, 2022
Property Address	23 COVE RD, ROCKY MOUNT, MO 65072-3203
Document Number	02022/5884
Book / Page	2022 / 5884
Instrument Date	Nov 29, 2022
Instrument	202205884
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS AGCY INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 COVE RD, ROCKY MOUNT, MO 65072-3203

Mortgage

Document Number	0202205885
Date	Dec 5, 2022
Instrument	202205885

Lender

Name	INFUZE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLER MO
Recording Date	May 14, 2021
Property Address	23 COVE RD, ROCKY MOUNT, MO 65072-3203
Document Number	02021/2626
Book / Page	2021 / 2626
Instrument Date	May 14, 2021
Instrument	202102626
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS AGCY INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 COVE RD, ROCKY MOUNT, MO 65072-3203

Tax Assessment & Valuation

The 2025 property tax bill for 23 Cove Rd was $1,174.

Source: Miller County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Miller County
Unified School District	School of The Osage School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,030 (-) Land $5,080 Building $20,950	$137,000 (-) Land $26,760 Building $110,240
2025	$1,174.00	$26,030 Land $5,080 Building $20,950	$137,000 Land $26,760 Building $110,240
2023		$23,270 Land $4,620 Building $18,650	$122,460 Land $24,330 Building $98,130

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 23 Cove Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 17, 2018 · 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

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 23 Cove Rd is moderate, ranking above 52% 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 52% of the US · above 74% 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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