2413 W Saratoga, Ozark, MO 65721 Property Records

Christian County property record for 2413 W Saratoga, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,717 sqft · built 2003
Lot Size	0.38 acres (16,547 sqft)
Owner	2 Individual Names on File
Last Sale	$325,850 (Oct 2023)
Tax Bill	$3,002 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-0.5-16-1-3-3`

Property Details

APN / Parcel Number

Primary APN	`11-0.5-16-1-3-3`
Alternative APN	`11-0.5-16-001-003-003.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	2,717 sqft Living Area
1st Floor Area	2,717 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asbestos
Lot Area	16,547 sqft (0.38 acres)
Lot Dimensions	193 ft deep x 86 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2413 W SARATOGA
City	OZARK
State	MO
Zip	65721-8479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 82 OZARK HEIGHTS 3RD ADD
Legal Range	21W
Legal Township	27N
Legal Section	16
Legal Subdivision	OZARK HEIGHTS
Legal Lot Number	82
Jurisdiction	CHRISTIAN MO
Township / Civil Division	CASSIDY
Census Block Group	1
Census Block	1011
Census Tract	20308

Owner

2413 W Saratoga is owned and occupied by two individuals who bought it in October 2023.

Source: Christian County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2413 W SARATOGA, OZARK, MO 65721-8479
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 30, 2023	Warranty Deed, Transfer · Conventional Mortgage OAKSTAR BANK NA
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023 · Amount on File
Deed Sale	Oct 30, 2023 · Amount on File
Deed Document Number	202311973
Deed Book / Page	2023 / 11815
Prior Transfer Date	Dec 12, 2014
Prior Transfer Doc	0201413881
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Oct 30, 2023
Property Address	2413 W SARATOGA, OZARK, MO 65721-8479
Document Number	0202311815
Book / Page	2023 / 11815
Instrument Date	Oct 27, 2023
Instrument	2023L11973
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MERIDIAN TITLE COMPANY INC, MERIDIAN TTL CO ALL BRANCHES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2413 W SARATOGA, OZARK, MO 65721-8479

Mortgage

Document Number	2023L11974
Date	Oct 30, 2023
Instrument	2023L11974

Lender

Name	OAKSTAR BANK NA
Type	Bank

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2413 W SARATOGA, OZARK, MO 65721-8479
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	PREFERRED TITLE OF MISSOURI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202019305
Date	Nov 17, 2020
Book Page	2020/19305
Instrument	2020L19491

Lender

Name	SOUTHERN BANK
Type	Bank
Address	POPLAR BLUFF, MO 63902

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

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		$54,780	$288,300 Land $40,000 Building $248,300
2024	$3,002.00
2023		$47,960 (+2.02%)	$252,400 Land $40,000 Building $212,400
2022		$47,010
2021			$247,400 Land $35,000 Building $212,400

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 2413 W Saratoga in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 2413 W Saratoga is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.04% 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 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.

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