3102 E Covey Ln, Ozark, MO 65721 Property Records

Christian County property record for 3102 E Covey Ln, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,253 sqft · built 1994
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$385,900 (Jul 2021)
Tax Bill	$3,314 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-0.3-7-0-0-51`

Property Details

APN / Parcel Number

Primary APN	`12-0.3-7-0-0-51`
Alternative APN	`12-0.3-07-000-000-051.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	2,253 sqft Living Area
1st Floor Area	2,253 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asbestos
Lot Area	47,916 sqft (1.1 acres)
Pool Area	512 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3102 E COVEY LN
City	OZARK
State	MO
Zip	65721-5298
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 QUAIL RUN 3
Legal Range	20W
Legal Township	27N
Legal Section	07
Legal Subdivision	QUAIL RUN 3
Legal Lot Number	9
Jurisdiction	CHRISTIAN MO
Township / Civil Division	LINDEN
Census Block Group	2
Census Block	2004
Census Tract	20310

Owner

3102 E Covey Ln is owned and occupied by two individuals who bought it in July 2021.

Source: Christian County records, as of March 10, 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 File
Mailing Address	3102 E COVEY LN, OZARK, MO 65721-5298
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Line of Credit LEGACY BANK & TRUST CO
Jul 6, 2021	Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021 · Amount on File
Deed Sale	Jul 6, 2021 · Amount on File
Deed Document Number	202112470
Deed Book / Page	2021 / 12367
Prior Transfer Date	Dec 10, 2013
Prior Transfer Doc	0201316296
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	3102 E COVEY LN, OZARK, MO 65721-5298
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 E COVEY LN, OZARK, MO 65721-5298

Mortgage

Document Number	0202602450
Date	Mar 4, 2026
Book Page	2026/2450
Instrument	2026L02488

Lender

Name	LEGACY BANK & TRUST CO
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Jul 6, 2021
Property Address	3102 E COVEY LN, OZARK, MO 65721-5298
Document Number	0202112367
Book / Page	2021 / 12367
Map Reference	MB G PG 279
Instrument Date	Jul 1, 2021
Instrument	2021L12470
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	GREAT AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 E COVEY LN, OZARK, MO 65721-5298

Mortgage

Document Number	2021L12471
Date	Jul 6, 2021
Instrument	2021L12471

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$59,130	$311,200 Land $32,000 Building $279,200
2024	$3,314.00
2023		$55,350	$291,300 Land $32,000 Building $259,300

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 3102 E Covey Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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 Policies	1 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	May 2025 · river or lake flooding

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

Wildfire risk around 3102 E Covey Ln is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 47% of Missouri
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 50 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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