391 Penner Ln, Ozark, MO 65721 Property Records

Christian County property record for 391 Penner Ln, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,237 sqft · built 2015
Lot Size	3.19 acres (138,956 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Jul 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-0.3-6-0-0-11.003`

Property Details

APN / Parcel Number

Primary APN	`17-0.3-6-0-0-11.003`
Alternative APN	`17-0.3-06-000-000-011.003`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	2,237 sqft
1st Floor Area	2,237 sqft
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 2015
Exterior Material	Brick/Wood
Lot Area	138,956 sqft (3.19 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam

Location & Zoning

Street Address	391 PENNER LN
City	OZARK
State	MO
Zip	65721-8022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 PENNER PLACE
Legal Range	20
Legal Township	26
Legal Section	06
Legal Subdivision	PENNER PLACE
Legal Lot Number	3
Jurisdiction	CHRISTIAN MO
Township / Civil Division	MCCRACKEN
Census Block Group	2
Census Block	2031
Census Tract	20402

Owner

391 Penner Ln is owned and occupied by an individual who acquired it in July 2021.

Source: Christian County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	391 PENNER LN, OZARK, MO 65721-8022
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jan 29, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2021
Deed Sale	Jul 31, 2021
Prior Sale	Mar 18, 2013
Deed Document Number	2021013840
Deed Book / Page	2021 / 013840
Prior Transfer Date	Jul 30, 2021
Prior Transfer Doc	0202113840
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Jul 30, 2021
Property Address	391 PENNER LN, OZARK, MO 65721-8022
Document Number	0202113840
Book / Page	2021 / 13840
Map Reference	MB H PG 434
Instrument Date	Jul 30, 2021
Instrument	2021L13966
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	CHOICE TITLE AGENCY INC, CHOICE ESCROW & LAND TTL LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	391 PENNER LN, OZARK, MO 65721-8022

Mortgage

Document Number	2021L13967
Date	Jul 30, 2021
Instrument	2021L13967

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	391 PENNER LN, OZARK, MO 65721-8022
Document Number	0201901182
Instrument Date	Jan 29, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	391 PENNER LN OZARK MO 657218022, OZARK, MO 65721-8022

Mortgage

Document Number	0201901182
Date	Feb 5, 2019
Book Page	002019/001182
Instrument	1202

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2049

Tax Assessment & Valuation

Source: Christian County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Christian County
Unified School District	Ozark R-VI School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$77,060	$405,600 Land $36,400 Building $369,200
2023	$72,050 (+0.11%)	$379,200 Land $36,400 Building $342,800
2022	$71,970
2021		$378,800 Land $26,000 Building $352,800

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

Flood

FEMA maps place 391 Penner Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2017 · Severe Storms, Tornadoes, Straight-line Winds And 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 391 Penner Ln is moderate, ranking above 51% 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 51% of the US · above 72% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
White River Connect Fiber	2,500 / 2,500
Total HighSpeed Internet Solutions Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
WON Communications Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Penner Ln

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