3403 E Covey Ln, Ozark, MO 65721 Property Records

Christian County property record for 3403 E Covey Ln, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,080 sqft · built 1993
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jul 2021)
Tax Bill	$3,102 (2024)
Deeds & Mortgages	Nov 2023 Sale Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`12-0.3-7-0-0-32`

Property Details

APN / Parcel Number

Primary APN	`12-0.3-7-0-0-32`
Alternative APN	`12-0.3-07-000-000-032.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	2,080 sqft Living Area
1st Floor Area	2,080 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3403 E COVEY LN
City	OZARK
State	MO
Zip	65721-6226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 QUAIL RUN COUNTRY ESTATES 3
Legal Range	20W
Legal Township	27N
Legal Section	07
Legal Subdivision	QUAIL RUN COUNTRY ESTATES 3
Legal Lot Number	6
Jurisdiction	CHRISTIAN MO
Township / Civil Division	LINDEN
Census Block Group	2
Census Block	2003
Census Tract	20310

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2705 W OAK RUN, OZARK, MO 65721-5910
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Warranty Deed, Transfer MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY
Jul 29, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 30, 2018	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Oct 3, 2018	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Apr 9, 2021	Intrafamily Transfer, Transfer
Apr 9, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2021 · Amount on Record
Deed Sale	Jul 29, 2021 · Amount on Record
Deed Document Number	202113871
Deed Book / Page	2021 / 13747
Prior Transfer Date	Apr 9, 2021
Prior Transfer Doc	0202106700
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Nov 15, 2023
Property Address	3403 E COVEY LN, OZARK, MO 65721-6226
Document Number	0202312552
Book / Page	2023 / 12552
Map Reference	MB G PG 279
Instrument Date	Nov 15, 2023
Instrument	2023L12718
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 W OAK RUN, OZARK, MO 65721-5910

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Jul 29, 2021
Property Address	3403 E COVEY LN, OZARK, MO 65721-6226
Document Number	0202113747
Book / Page	2021 / 13747
Map Reference	MB G PG 279
Instrument Date	Jul 26, 2021
Instrument	2021L13871
Transaction Type	Transfer
Record Updated	Nov 23, 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	3403 E COVEY LN, OZARK, MO 65721-6226

Mortgage

Document Number	2021L13872
Date	Jul 29, 2021
Instrument	2021L13872

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	3403 E COVEY LN, OZARK, MO 65721-6226
Transaction Type	Mortgage
Record Updated	May 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201805319
Date	Apr 30, 2018
Book Page	2018/05319
Instrument	2018L05374

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 23, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	3403 E COVEY LN, OZARK, MO 65721-6226
Transaction Type	Mortgage
Record Updated	May 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201813161
Date	Oct 3, 2018
Book Page	2018/13161
Instrument	2018L13302

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHRISTIAN MO
Recording Date	Apr 9, 2021
Property Address	3403 E COVEY LN, OZARK, MO 65721-6226
Document Number	0202106700
Book / Page	2021 / 6700
Map Reference	MB G PG 279
Instrument Date	Apr 9, 2021
Instrument	2021L06745
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 E COVEY LN, OZARK, MO 65721-6226

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHRISTIAN MO
Recording Date	Apr 9, 2021
Property Address	3403 E COVEY LN, OZARK, MO 65721-6226
Document Number	0202106699
Book / Page	2021 / 6699
Map Reference	MB G PG 279
Instrument Date	Apr 9, 2021
Instrument	2021L06744
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 E COVEY LN, OZARK, MO 65721-6226

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		$55,230 (+6.6%)	$290,700 (+6.6%) Land $40,000 Building $250,700
2024	$3,102.00
2023		$51,810 (+8.59%)	$272,700 (+8.6%) Land $40,000 Building $232,700
2022		$47,710
2021			$251,100 Land $40,000 Building $211,100

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 · 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

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

Wildfire Risk	Moderate above 47% of the US · above 57% of Missouri
Wildfire Likelihood	0.1% 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 58 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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