38 Co Rd 539, Gainesville, MO 65655 Property Records

Ozark County property record for 38 Co Rd 539, Gainesville, MO 65655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,642 sqft · built 1920
Lot Size	14 acres (609,840 sqft)
Owner	Individual Name on Record
Tax Bill	$397 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-0.3-06-000-000-009.000`

Property Details

APN / Parcel Number

Primary APN	`23-0.3-06-000-000-009.000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,642 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	609,840 sqft (14 acres)
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces
Utility Building	168 sqft

Location & Zoning

Street Address	38 COUNTY ROAD 539
City	GAINESVILLE
State	MO
Zip	65655-7757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FR LOTS 1 & 2 NW
Legal Range	12
Legal Township	21
Legal Section	06
Legal Lot Number	1-2
Jurisdiction	OZARK MO
Township / Civil Division	LICK CREEK
Census Block Group	2
Census Block	2151
Census Tract	470200

Owner

Source: Ozark County records, as of October 5, 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	38 COUNTY ROAD 539, GAINESVILLE, MO 65655-7757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 10, 2009	Deed of Trust, Mortgage COMMUNITY FIRST NATIONAL BANK OF WEST PL
Sep 28, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OZARK MO
Property Address	38 COUNTY ROAD 539, GAINESVILLE, MO 65655-7757
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 COUNTY ROAD 539, GAINESVILLE, MO 65655-7757

Mortgage

Document Number	002021/686
Date	Mar 18, 2021
Book Page	2021/686
Instrument	202100686

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Nov 1, 2047

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OZARK MO
Property Address	38 COUNTY ROAD 539, GAINESVILLE, MO 65655-7757
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000318/438
Date	Aug 10, 2009
Book Page	318/438

Lender

Name	COMMUNITY FIRST NATIONAL BANK OF WEST PL
Address	WEST PLAINS, MO 65775

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2039

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OZARK MO
Recording Date	Sep 28, 2017
Property Address	38 COUNTY ROAD 539, GAINESVILLE, MO 65655-7757
Document Number	000389/354
Book / Page	389 / 354
Instrument Date	Sep 28, 2017
Instrument	201701730
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	MILL COUNTRY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 COUNTY ROAD 539, GAINESVILLE, MO 65655-7757
Investor	Possibly a Property Investor

Mortgage

Document Number	0201701731
Date	Sep 28, 2017
Instrument	201701731

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Ozark County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Ozark County
Unified School District	Gainesville R-V School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$11,380 (-)
2025	$397.00 (-4.8%)	$11,380 (-4.53%)	$60,600 (-)
2024	$417.00 (+8.59%)
2023		$11,920	$60,600
2020	$384.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2007

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	Moderate above 64% of the US · above 97.3% of Missouri
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
White River Connect Fiber	2,500 / 2,500
Wisper ISP Fixed Wireless	400 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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