3409 Bray Ave, Columbia, MO 65203 Property Records

Boone County property record for 3409 Bray Ave, Columbia, MO 65203

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,100 sqft · built 1981
Lot Size	0.182 acres (7,963 sqft)
Owner	2 Individual Names on File
Last Sale	$377,055 (May 2026)
Tax Bill	$2,335 (2025)
Deeds & Mortgages	Mar 2026 Construction Loan Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-514-00-01-020-00`

Property Details

APN / Parcel Number

Primary APN	`16-514-00-01-020-00`
Alternative APN	`16-514-00-01-020.00 01`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,100 sqft Living Area
1st Floor Area	1,350 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Exterior Material	Combination
Lot Area	7,963 sqft (0.182 acres)
Lot Dimensions	113 ft deep x 70 ft wide
Deck Area	120 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	3409 BRAY AVE
City	COLUMBIA
State	MO
Zip	65203-0750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	UNIVERSITY PARK ADD 7 LOT 4
Legal Range	13W
Legal Township	48N
Legal Section	21
Legal Subdivision	UNIVERSITY PARK ADD
Legal Lot Number	4
Jurisdiction	BOONE MO
Township / Civil Division	MISSOURI
Census Block Group	3
Census Block	3012
Census Tract	1201

Owner

3409 Bray Ave is owned and occupied by two individuals who bought it in May 2026.

Source: Boone County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3409 BRAY AVE, COLUMBIA, MO 65203-0750
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 16, 2026	Deed of Trust, Mortgage · Construction Mortgage CENTRAL TRUST BANK
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit SIMMONS BANK
May 11, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Prior Sale	Jun 22, 2015 · Amount on File
Deed Document Number	20268401
Deed Book / Page	6149 / 60
Prior Transfer Date	Feb 6, 2018
Prior Transfer Doc	0000002319
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	3409 BRAY AVE, COLUMBIA, MO 65203-0750
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 BRAY AVE, COLUMBIA, MO 65203-0750

Mortgage

Document Number	0000004572
Date	Mar 16, 2026
Book Page	6123/59
Instrument	2026004572

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	COLUMBIA, MO 65205

Agreement

Type	Construction Mortgage
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	3409 BRAY AVE, COLUMBIA, MO 65203-0750
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 BRAY AVE, COLUMBIA, MO 65203-0750

Mortgage

Document Number	0000032614
Date	Nov 19, 2021
Book Page	5539/155
Instrument	2021032614

Lender

Name	SIMMONS BANK
Type	Bank
Address	COLUMBIA, MO 65203

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	May 11, 2026
Property Address	3409 BRAY AVE, COLUMBIA, MO 65203-0750
Document Number	0000008401
Book / Page	6149 / 60
Instrument Date	May 8, 2026
Instrument	2026.8401
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 BRAY AVE, COLUMBIA, MO 65203-0750

Mortgage

Document Number	0000008402,
Date	May 11, 2026
Instrument	2026..8402

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOONE MO
Recording Date	Feb 8, 2018
Property Address	3409 BRAY AVE, COLUMBIA, MO 65203-0750
Document Number	0000002319
Book / Page	004856 / 000078
Instrument Date	Feb 8, 2018
Instrument	2319
Transaction Type	Transfer
Record Updated	Feb 19, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3409 BRAY AVE COLUMBIA MO 652030750, COLUMBIA, MO 65203-0750

Tax Assessment & Valuation

The 2025 property tax bill for 3409 Bray Ave was $2,335.

Source: Boone County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Boone County
Municipality	Columbia City
Unified School District	Columbia 93 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$35,663 (-) Land $4,180 Building $31,483
2025	$2,335.00	$35,663 Land $4,180 Building $31,483	$187,700 Land $22,000 Building $165,700
2023	$2,083.00 (+8.1%)	$31,141 Land $4,180 Building $26,961	$163,900 Land $22,000 Building $141,900
2022	$1,927.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3409 Bray Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 30, 2022

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

Wildfire risk around 3409 Bray Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% 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	CITY OF COLUMBIA UTILITIES serves 126,254 people · EPA ID MO3010181
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed, T-Mobile.

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