3408 E Covey Ln, Ozark, MO 65721 Property Records

Christian County property record for 3408 E Covey Ln, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,213 sqft · built 1992
Lot Size	2.08 acres (90,605 sqft)
Owner	2 Trust Names on File
Last Sale	$324,600 (Jun 2019)
Tax Bill	$3,749 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-0.3-7-0-0-20`

Property Details

APN / Parcel Number

Primary APN	`12-0.3-7-0-0-20`
Alternative APN	`12-0.3-07-000-000-020.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	2,213 sqft Living Area
1st Floor Area	2,213 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2024
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	90,605 sqft (2.08 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3408 E COVEY LN
City	OZARK
State	MO
Zip	65721-6226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 QUAIL RUN 3RD
Legal Range	20W
Legal Township	27N
Legal Section	07
Legal Subdivision	QUAIL RUN 3
Legal Lot Number	16
Jurisdiction	CHRISTIAN MO
Township / Civil Division	LINDEN
Census Block Group	2
Census Block	2006
Census Tract	20310

Owner

3408 E Covey Ln is owner-occupied and held in a trust since October 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	3408 E COVEY LN, OZARK, MO 65721-6226
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Feb 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jun 6, 2023	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL COMMUNITY CU
Sep 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMERCE BANK
Apr 13, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 25, 2019	Grant Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2019 · Amount on File
Deed Sale	Jun 25, 2019 · Amount on File
Deed Document Number	20197927
Deed Book / Page	2019 / 7847
Last Transfer Date	Oct 30, 2023
Transfer Doc	0000012734
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	3408 E COVEY LN, OZARK, MO 65721-6226
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3408 E COVEY LN, OZARK, MO 65721-6226

Mortgage

Document Number	0202401782
Date	Feb 22, 2024
Book Page	2024/1782
Instrument	2024L01807

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	3408 E COVEY LN, OZARK, MO 65721-6226
Transaction Type	Mortgage
Record Updated	Jun 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202306089
Date	Jun 6, 2023
Book Page	2023/6089
Instrument	2023L06181

Lender

Name	EDUCATIONAL COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, MO 65804

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	3408 E COVEY LN, OZARK, MO 65721-6226
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201712158
Date	Sep 18, 2017
Book Page	2017/12158
Instrument	2017L12290

Lender

Name	COMMERCE BANK
Type	Bank
Address	BRANSON, MO 65616

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	3408 E COVEY LN, OZARK, MO 65721-6226
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202106934
Date	Apr 13, 2021
Book Page	2021/6934
Instrument	2021L06980

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Jul 1, 2049

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Jun 25, 2019
Property Address	3408 E COVEY LN, OZARK, MO 65721-6226
Document Number	0201907847
Book / Page	002019 / 007847
Instrument Date	Jun 14, 2019
Instrument	7927
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	PREFERRED TITLE/MO INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3408 E COVEY LN OZARK MO 657216226, OZARK, MO 65721-6226

Mortgage

Document Number	201907848
Date	Jun 25, 2019
Book Page	002019/007848
Instrument	7928

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2049

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		$74,690	$393,100 Land $35,000 Building $358,100
2024	$3,749.00
2023		$62,610	$329,500 Land $35,000 Building $294,500

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 3408 E Covey Ln 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 3408 E Covey Ln is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · above 79% of Missouri
Wildfire Likelihood	0.1% 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 1 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

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on E Covey Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures