2810 W Saratoga, Ozark, MO 65721 Property Records

Christian County property record for 2810 W Saratoga, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,212 sqft · built 1999
Lot Size	0.273 acres (11,925 sqft)
Owner	2 Owner Names on Record
Deeds & Mortgages	Aug 2022 Mortgage Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-0.5-16-2-2-63`

Property Details

APN / Parcel Number

Primary APN	`11-0.5-16-2-2-63`
Alternative APN	`11-0.5-16-002-002-063.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	2,212 sqft Adjusted Area
1st Floor Area	1,410 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Combination
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Asbestos
Lot Area	11,925 sqft (0.273 acres)
Lot Dimensions	159 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	2810 W SARATOGA
City	OZARK
State	MO
Zip	65721-8400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 KALI SPRINGS PH 2 FINAL
Legal Range	21
Legal Township	27
Legal Section	16
Legal Subdivision	KALI SPRINGS
Legal Phase	2
Legal Lot Number	32
Jurisdiction	CHRISTIAN MO
Township / Civil Division	CASSIDY
Census Block Group	1
Census Block	1013
Census Tract	20308

Owner

Source: Christian County records, as of January 19, 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 Owner Names on Record
Mailing Address	2810 W SARATOGA, OZARK, MO 65721-8400
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 21, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/THE OZARKS
Jan 29, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 26, 2006
Transfer Doc	0200624704
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2810 W SARATOGA, OZARK, MO 65721-8400
Transaction Type	Mortgage
Record Updated	Aug 31, 2022
Title Company	CLOSING USA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2810 W SARATOGA, OZARK, MO 65721-8400

Mortgage

Document Number	0202212873
Date	Aug 24, 2022
Book Page	2022/12873
Instrument	2022L12998

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2810 W SARATOGA, OZARK, MO 65721-8400
Document Number	0201915897
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2810 W SARATOGA OZARK MO 657218400, OZARK, MO 65721-8400

Mortgage

Document Number	0201915897
Date	Nov 26, 2019
Book Page	002019/015897
Instrument	16052

Lender

Name	CENTRAL BK/THE OZARKS
Address	SPRINGFIELD, MO 65808-3397

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 25, 2039

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2810 W SARATOGA, OZARK, MO 65721-8400
Document Number	0201901180
Instrument Date	Jan 29, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2810 W SARATOGA OZARK MO 657218400, OZARK, MO 65721-8400

Mortgage

Document Number	0201901180
Date	Feb 5, 2019
Book Page	002019/001180
Instrument	1200

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Feb 4, 2044

Tax Assessment & Valuation

Source: Christian County assessment roll, as of May 31, 2025

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	Assessed Value	Assessed Market Value
2025	$34,030 (+13.43%)	$179,100 (+13.43%) Land $30,000 Building $149,100
2023	$30,000	$157,900 Land $30,000 Building $127,900

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

FEMA Flood Zone	Zone X minimal risk
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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% 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.

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