2903 W Saratoga, Ozark, MO 65721 Property Records

Christian County property record for 2903 W Saratoga, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,749 sqft · built 2000
Lot Size	0.335 acres (14,585 sqft)
Owner	2 Individual Names on Record
Last Sale	$241,000 (Mar 2017)
Tax Bill	$2,464 (2024)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-0.5-16-2-2-59`

Property Details

APN / Parcel Number

Primary APN	`11-0.5-16-2-2-59`
Alternative APN	`11-0.5-16-002-002-059.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,749 sqft Living Area
1st Floor Area	1,749 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asbestos
Lot Area	14,585 sqft (0.335 acres)
Lot Dimensions	171 ft deep x 86 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2903 W SARATOGA
City	OZARK
State	MO
Zip	65721-8476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 36 KALI SPRINGS PH 2
Legal Range	21W
Legal Township	27N
Legal Section	16
Legal Subdivision	KALI SPRINGS PH 2
Legal Phase	2
Legal Lot Number	36
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 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	2903 W SARATOGA, OZARK, MO 65721-8476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit ACADEMY BANK NA
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage OAKSTAR BANK NA
Mar 21, 2017	Warranty Deed, Transfer · Conventional Mortgage GREAT SOUTHERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2017 · Amount on Record
Deed Sale	Mar 21, 2017 · Amount on Record
Prior Sale	Jun 2, 2016 · Amount on Record
Deed Document Number	20173354
Deed Book / Page	2017 / 3321
Last Transfer Date	Apr 7, 2020
Transfer Doc	0202004568
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2903 W SARATOGA, OZARK, MO 65721-8476
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 W SARATOGA, OZARK, MO 65721-8476

Mortgage

Document Number	0202210946
Date	Jul 20, 2022
Book Page	2022/10946
Instrument	2022L11057

Lender

Name	ACADEMY BANK NA
Type	Bank
Address	OLATHE, KS 66062

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2903 W SARATOGA, OZARK, MO 65721-8476
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	GREAT AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202105923
Date	Mar 31, 2021
Book Page	2021/5923
Instrument	2021L05965

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	2903 W SARATOGA, OZARK, MO 65721-8476
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202006503
Date	May 12, 2020
Book Page	2020/6503
Instrument	2020L06569

Lender

Name	OAKSTAR BANK NA
Type	Bank
Address	SPRINGFIELD, MO 65807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Mar 21, 2017
Property Address	2903 W SARATOGA, OZARK, MO 65721-8476
Document Number	0201703321
Book / Page	2017 / 03321
Instrument Date	Mar 20, 2017
Instrument	2017L03354
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	WACO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 W SANTIEGO, OZARK, MO 65721

Mortgage

Document Number	2017L03355
Date	Mar 21, 2017
Instrument	2017L03355

Lender

Name	GREAT SOUTHERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2032

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		$44,380 (+12.73%)	$233,600 (+12.74%) Land $30,000 Building $203,600
2024	$2,464.00
2023		$39,370	$207,200 Land $30,000 Building $177,200

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
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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