2405 E Cottage Blvd, Ozark, MO 65721 Property Records

Christian County property record for 2405 E Cottage Blvd, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 4,549 sqft · built 2003
Lot Size	3.89 acres (169,448 sqft)
Owner	2 Individual Names on Record
Last Sale	$63,900 (Jun 2002)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`11-0.6-13-000-000-010.005`

Property Details

APN / Parcel Number

Primary APN	`11-0.6-13-000-000-010.005`
Alternative APN	`11-0.6-13-0-0-10.005`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	4,549 sqft Adjusted Area
1st Floor Area	3,261 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Combination
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Asbestos
Lot Area	169,448 sqft (3.89 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	2405 E COTTAGE BLVD
City	OZARK
State	MO
Zip	65721-8626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 RIVERMIST AT THE FINLEY
Legal Range	21
Legal Township	27
Legal Section	13
Legal Subdivision	RIVERMIST AT THE FINLEY
Legal Lot Number	5
Jurisdiction	CHRISTIAN MO
Township / Civil Division	MCCRACKEN
Census Block Group	1
Census Block	1008
Census Tract	20302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2405 E COTTAGE BLVD, OZARK, MO 65721-8626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Feb 17, 2017	Loan Modification, Mortgage · Line of Credit COMMERCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2002 · Amount on Record
Deed Sale	Jun 26, 2002 · Amount on Record
Deed Document Number	0347005665
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2405 E COTTAGE BLVD, OZARK, MO 65721-8626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202018578
Date	Nov 6, 2020
Book Page	2020/18578
Instrument	2020L18757

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 1, 2035

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHRISTIAN MO
Property Address	2405 E COTTAGE BLVD, OZARK, MO 65721-8626
Document Number	0201702796
Book / Page	002017 / 002796
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	Jun 6, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2405 E COTTAGE BLVD OZARK MO 657218626, OZARK, MO 65721-8626

Mortgage

Document Number	0201702796
Date	Mar 8, 2017
Book Page	002017/002796
Instrument	2825

Lender

Name	COMMERCE BK
Type	Bank
Address	OZARK, MO 65721

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$97,470 (+6.14%)	$513,000 (+6.15%) Land $97,000 Building $416,000
2023	$91,830	$483,300 Land $97,000 Building $386,300

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 Claims	3 (2015–2017)
Most Recent Claim	Apr 2017 · Severe Storms, Tornadoes, Straight-line Winds And 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

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

Wildfire Risk	Moderate above 48% of the US · above 63% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Total HighSpeed Internet Solutions Fiber	1,000 / 1,000

May also be available: White River Connect, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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