2409 W Saratoga, Ozark, MO 65721 Property Records

Christian County property record for 2409 W Saratoga, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,967 sqft · built 2002
Lot Size	0.323 acres (14,065 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,500 (Feb 2021)
Tax Bill	$3,492 (2024)
Deeds & Mortgages	Apr 2022 Transfer Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-0.5-16-1-3-4`

Property Details

APN / Parcel Number

Primary APN	`11-0.5-16-1-3-4`
Alternative APN	`11-0.5-16-001-003-004.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	2,967 sqft Living Area
1st Floor Area	2,967 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asbestos
Lot Area	14,065 sqft (0.323 acres)
Lot Dimensions	155 ft deep x 91 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2409 W SARATOGA
City	OZARK
State	MO
Zip	65721-8479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 83 OZARK HEIGHTS 3RD (* SB-190 APPROVED APPLICANT *)
Legal Range	21W
Legal Township	27N
Legal Section	16
Legal Subdivision	OZARK HEIGHTS
Legal Lot Number	83
Jurisdiction	CHRISTIAN MO
Township / Civil Division	CASSIDY
Census Block Group	1
Census Block	1011
Census Tract	20308

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	2409 W SARATOGA, OZARK, MO 65721-8479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Intrafamily Transfer, Transfer
Feb 3, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK OF THE OZARKS
Jan 25, 2019	Deed of Trust, Mortgage · Line of Credit ROYAL VISTA BUILDING 6 LLC
Feb 23, 2017	Deed of Trust, Mortgage · FHA Mortgage FRANKLIN AMERICAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2021 · Amount on Record
Deed Sale	Feb 3, 2021 · Amount on Record
Prior Sale	Dec 22, 2006 · Amount on Record
Deed Document Number	20212256
Deed Book / Page	2021 / 2239
Last Transfer Date	Apr 13, 2022
Transfer Doc	0202205432
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHRISTIAN MO
Recording Date	Apr 14, 2022
Property Address	2409 W SARATOGA, OZARK, MO 65721-8479
Document Number	0202205432
Book / Page	2022 / 5432
Instrument Date	Apr 13, 2022
Instrument	2022L05487
Transaction Type	Transfer
Record Updated	Jul 18, 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	2409 W SARATOGA, OZARK, MO 65721-8479

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Feb 3, 2021
Property Address	2409 W SARATOGA, OZARK, MO 65721-8479
Document Number	0202102239
Book / Page	2021 / 2239
Instrument Date	Feb 1, 2021
Instrument	2021L02256
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	OZARK ABSTRACT AND TITLE, OZARK ABSTRACT & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2409 W SARATOGA, OZARK, MO 65721-8479

Mortgage

Document Number	2021L02257
Date	Feb 3, 2021
Instrument	2021L02257

Lender

Name	CENTRAL BANK OF THE OZARKS
Type	Bank

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2409 W SARATOGA, OZARK, MO 65721-8479
Document Number	0201900890
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 11, 2019
Title Company	OZARK ABSTRACT AND TITLE, OZARK ABS & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2409 W SARATOGA OZARK MO 657218479, OZARK, MO 65721-8479

Mortgage

Document Number	0201900890
Date	Jan 28, 2019
Book Page	002019/000890
Instrument	907

Lender

Name	ROYAL VISTA BUILDING 6 LLC
Address	PO BOX 426, OZARK, MO 65721-0426

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2409 W SARATOGA, OZARK, MO 65721-8479
Document Number	0201702421
Book / Page	002017 / 002421
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2409 W SARATOGA OZARK MO 657218479, OZARK, MO 65721-8479

Mortgage

Document Number	0201702421
Date	Mar 1, 2017
Book Page	002017/002421
Instrument	2421

Lender

Name	FRANKLIN AMERICAN MTG
Type	Mortgage Company
Address	FRANKLIN, TN 37067

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 28, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$62,420 (+11.86%)	$328,500 (+11.85%) Land $40,000 Building $288,500
2024	$3,492.00
2023		$55,800 (+1.73%)	$293,700 (+1.73%) Land $40,000 Building $253,700
2022		$54,850
2021			$288,700 Land $35,000 Building $253,700

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

Source: FEMA National Flood Hazard Layer, effective November 1, 2023

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 268 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.

Nearby Properties on W Saratoga

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures