3840 S Cottage Ave, Springfield, MO 65807 Property Records

Greene County property record for 3840 S Cottage Ave, Springfield, MO 65807

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 1984
Lot Size	0.285 acres (12,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,925 (Jul 2026)
Tax Bill	$1,359 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`88-18-09-402-001`

Property Details

APN / Parcel Number

Primary APN	`88-18-09-402-001`
Alternative APN	`1809402001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,634 sqft Living Area
1st Floor Area	1,634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Construction Type	Brick
Foundation Type	No Foundation
Lot Area	12,415 sqft (0.285 acres)
Lot Dimensions	135 ft deep x 92 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	881809402001
Street Address	3840 S COTTAGE AVE
City	SPRINGFIELD
State	MO
Zip	65807-7471
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INC
Legal Description	SCENIC HEIGHTS LOT 17
Legal Range	22W
Legal Township	28N
Legal Section	09
Legal Subdivision	SCENIC
Legal Block	402
Legal Lot Number	17
Jurisdiction	GREENE MO
Township / Civil Division	SPRINGFIELD
Census Block Group	4
Census Block	4003
Census Tract	3004

Owner

Source: Greene County records, as of August 25, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3840 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTY TRUST COMPANY
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
Sep 23, 2019	Warranty Deed, Transfer · Closed-End Mortgage THE STOCKMENS BANK
Aug 16, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Jul 5, 2023 · Amount on Record
Deed Document Number	202626201
Deed Book / Page	2026 / 26201
Prior Transfer Date	Oct 24, 2006
Prior Transfer Doc	0000005691
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE MO
Recording Date	Jul 23, 2026
Property Address	3840 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
Document Number	0000026201
Book / Page	2026 / 26201
Instrument Date	Jul 21, 2026
Instrument	202626201
Transaction Type	Transfer
Record Updated	Oct 23, 2026
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	3840 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471

Mortgage

Document Number	0000026202,
Date	Jul 23, 2026
Book Page	2026/26202
Instrument	202626202

Lender

Name	GUARANTY TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

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

Mortgage

Document Number	0000026208,
Date	Jul 23, 2026
Book Page	2026/26208
Instrument	202626208

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE MO
Recording Date	Jul 5, 2023
Property Address	3840 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
Document Number	0000002034
Book / Page	2023 / 20341-23
Instrument Date	Jun 30, 2023
Instrument	20341-23
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 S KEYSTONE AVE, SPRINGFIELD, MO 65807-7441

Mortgage

Document Number	0000002034
Date	Jul 5, 2023
Instrument	20342-23

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE MO
Property Address	3840 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002015
Date	Apr 22, 2021
Book Page	2021/20150-21
Instrument	20150-21

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE MO
Recording Date	Sep 23, 2019
Property Address	3840 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
Document Number	0000003328
Book / Page	2019 / 033289-19
Instrument Date	Sep 20, 2019
Instrument	033289-19
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471

Mortgage

Document Number	0000033290
Date	Sep 23, 2019
Book Page	2019/033290-19
Instrument	033290-19

Lender

Name	THE STOCKMENS BANK
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE MO
Recording Date	Aug 16, 2017
Property Address	3840 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
Document Number	0000033242
Instrument Date	Aug 15, 2017
Instrument	33242
Transaction Type	Transfer
Record Updated	Aug 24, 2017
Title Company	WACO TITLE COMPANY, WACO TITLE CO

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	1645 W WALNUT LAWN ST SPRINGFIELD MO 658074359, SPRINGFIELD, MO 65807-4359

Mortgage

Document Number	33243
Date	Aug 16, 2017
Instrument	33243

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

Tax Assessment & Valuation

Source: Greene County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Greene County
Municipality	Springfield City
Unified School District	Springfield R-XII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,280 (-) Land $7,410 Building $19,870
2025	$1,359.00 (+9.24%)	$27,280 (+16.93%) Land $7,410 Building $19,870	$143,600 (+16.94%) Land $39,000 Building $104,600
2023	$1,244.00 (+6.6%)	$23,330 (+9.12%) Land $4,750 Building $18,580	$122,800 (+9.16%) Land $25,000 Building $97,800
2022	$1,167.00	$21,380 Land $4,750 Building $16,630
2021			$112,500 Land $25,000 Building $87,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

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	Not rated no burnable land within ember reach

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 UTILITIES OF SPRINGFIELD serves 210,898 people · EPA ID MO5010754
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	5 ppb (2023–2025) 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 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Brightspeed Fiber	940 / 940
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Wisper ISP.

Nearby Properties on S Cottage Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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