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3858 S Cottage Ave, Springfield, MO 65807 Property Records

Greene County property record for 3858 S Cottage Ave, Springfield, MO 65807

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,375 sqft · built 1986
Lot Size0.232 acres (10,106 sqft)
Owner2 Individual Names on File
Last Sale$145,300 (Aug 2019)
Tax Bill$1,286 (2025)
Deeds & MortgagesOct 2021 Mortgage
Aug 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN88-18-09-402-004

Property Details

APN / Parcel Number

Primary APN88-18-09-402-004
Alternative APN
  • 1809402004

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,375 sqft Living Area
1st Floor Area1,359 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleRanch
Foundation TypeNo Foundation
Lot Area10,106 sqft (0.232 acres)
Lot Dimensions135 ft deep x 75 ft wide
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account Number881809402004
Street Address3858 S COTTAGE AVE
CitySPRINGFIELD
StateMO
Zip65807-7471
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeINC
Legal DescriptionSCENIC HGTS 1ST ADD LOT 26
Legal Range22W
Legal Township28N
Legal Section09
Legal SubdivisionSCENIC
Legal Block402
Legal Lot Number26
JurisdictionGREENE MO
Township / Civil DivisionSPRINGFIELD
Census Block Group4
Census Block4003
Census Tract3004

Owner

3858 S Cottage Ave is owned and occupied by two individuals who bought it in August 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address3858 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 29, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Aug 15, 2019Warranty Deed, Transfer · FHA Mortgage
GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 15, 2019 · Amount on File
Deed SaleAug 15, 2019 · Amount on File
Prior SaleNov 24, 2014
Deed Document Number201927956
Deed Book / Page2019 / 2795619
Prior Transfer DateNov 20, 2014
Prior Transfer Doc0000004101
Record UpdatedOct 29, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGREENE MO
Property Address3858 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
Transaction TypeMortgage
Record UpdatedAug 16, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000005397
DateOct 29, 2021
Book Page2021/53978-21
Instrument53978-21
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term336 Months
DueOct 1, 2049

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGREENE MO
Recording DateAug 15, 2019
Property Address3858 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471
Document Number0000002795
Book / Page2019 / 027956-19
Instrument DateAug 12, 2019
Instrument027956-19
Transaction TypeTransfer
Record UpdatedMay 17, 2021
Title CompanyWACO TITLE CO SPRINGFIELD

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3858 S COTTAGE AVE, SPRINGFIELD, MO 65807-7471

Mortgage

Document Number0000002795
DateAug 15, 2019
Instrument027957-19
Lender
NameGERSHMAN INVESTMENT CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3858 S Cottage Ave was $1,286.

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

Property Jurisdictions

TypeName
StateMissouri
CountyGreene County
MunicipalitySpringfield City
Unified School DistrictSpringfield R-XII School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$25,820 (-) Land $7,410 Building $18,410
2025$1,286.00$25,820 Land $7,410 Building $18,410$135,900 Land $39,000 Building $96,900
2023$1,173.00 (+6.25%)$22,000 (+8.8%) Land $4,750 Building $17,250$115,800 Land $25,000 Building $90,800
2022$1,104.00$20,220 Land $4,750 Building $15,470
2021$106,400 Land $25,000 Building $81,400

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 3858 S Cottage Ave in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3858 S Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemCITY UTILITIES OF SPRINGFIELD
serves 210,898 people · EPA ID MO5010754
Water SourceSurface water
Last State InspectionJul 2023
Lead5 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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.

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