404 Oak St, Ashland, MO 65010 Property Records

Boone County property record for 404 Oak St, Ashland, MO 65010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,365 sqft · built 1991
Lot Size	0.339 acres (14,765 sqft)
Owner	2 Individual Names on File
Last Sale	$267,760 (Jul 2026)
Tax Bill	$1,841 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-508-00-07-018-00`

Property Details

APN / Parcel Number

Primary APN	`24-508-00-07-018-00`
Alternative APN	`24-508-00-07-018.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,365 sqft Living Area
1st Floor Area	1,365 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,765 sqft (0.339 acres)
Lot Dimensions	150 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	404 OAK ST
City	ASHLAND
State	MO
Zip	65010-9388
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FREILING'S ADD LOT 18
Legal Range	12W
Legal Township	46N
Legal Section	15
Legal Subdivision	FREILING'S ADD
Legal Lot Number	18
Jurisdiction	BOONE MO
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1013
Census Tract	1704

Owner

404 Oak St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	404 OAK ST, ASHLAND, MO 65010-9388
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 16, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jul 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Aug 11, 2017	Deed of Trust, Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Deed Document Number	202613280
Deed Book / Page	6180 / 142
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Jul 16, 2026
Property Address	404 OAK ST, ASHLAND, MO 65010-9388
Document Number	0000013280
Book / Page	6180 / 142
Instrument Date	Jul 15, 2026
Instrument	202613280
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	BOONE CENTRAL TITLE COMPANY, BOONE CENTRAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 OAK ST, ASHLAND, MO 65010-9388

Mortgage

Document Number	0000013281,
Date	Jul 16, 2026
Book Page	6180/143
Instrument	202613281

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000013282,
Date	Jul 16, 2026
Book Page	6180/144
Instrument	202613282

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	404 OAK ST, ASHLAND, MO 65010-9388
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 OAK ST, ASHLAND, MO 65010-9388

Mortgage

Document Number	0000016717
Date	Jul 29, 2022
Book Page	5655/24
Instrument	2022016717

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2042

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	404 OAK ST, ASHLAND, MO 65010-9388
Document Number	0000017445
Book / Page	004795 / 000085
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 OAK ST ASHLAND MO 650109388, ASHLAND, MO 65010-9388

Mortgage

Document Number	0000017445
Date	Aug 22, 2017
Book Page	004795/000085
Instrument	17445

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	240 Months
Due	Aug 21, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 404 Oak St was $1,841.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Boone County
Municipality	Ashland City
Unified School District	Southern Boone County R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$29,754 (-) Land $2,071 Building $27,683
2025	$1,841.00	$29,754 Land $2,071 Building $27,683	$156,600 Land $10,900 Building $145,700
2023	$1,839.00 (+7.04%)	$25,992 Land $2,071 Building $23,921	$136,800 Land $10,900 Building $125,900
2022	$1,718.00

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 404 Oak St 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 404 Oak St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ASHLAND PWS serves 4,999 people · EPA ID MO3010033
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
FireServe Fixed Wireless · not low latency	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Callabyte.

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