406 Surratt Dr, Garrison, MO 65657 Property Records

Christian County property record for 406 Surratt Dr, Garrison, MO 65657

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,046 sqft · built 1994
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,134 (2024)
Deeds & Mortgages	May 2026 Sale Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-0.7-35-0-0-3.002`

Property Details

APN / Parcel Number

Primary APN	`23-0.7-35-0-0-3.002`
Alternative APN	`23-0.7-35-000-000-003.002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	2,046 sqft Living Area
1st Floor Area	2,046 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	406 SURRATT DR
City	GARRISON
State	MO
Zip	65657-8818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG. 990 S NEC NE NW, W 396 S 330 E 396 N TO POB.
Legal Range	19W
Legal Township	25N
Legal Section	35
Legal Subdivision	CHADWICK TOWN OF
Jurisdiction	CHRISTIAN MO
Township / Civil Division	GARRISON
Census Block Group	3
Census Block	3079
Census Tract	20502

Owner

Source: Christian County records, as of May 21, 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	406 SURRATT DR, GARRISON, MO 65657-8818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Warranty Deed, Transfer OZARK ABSTRACT AND TITLE, OZARK ABSTRACT & TITLE
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage ASSEMBLIES OF GOD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2026
Deed Sale	May 15, 2026
Prior Sale	Apr 8, 2005
Deed Document Number	20266045
Deed Book / Page	2026 / 5962
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	May 15, 2026
Property Address	406 SURRATT DR, GARRISON, MO 65657-8818
Document Number	0000006045
Book / Page	2026 / 5962
Instrument Date	May 15, 2026
Instrument	20266045
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	OZARK ABSTRACT AND TITLE, OZARK ABSTRACT & TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SURRATT DR, GARRISON, MO 65657-8818

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Recording Date	Apr 23, 2026
Property Address	406 SURRATT DR, GARRISON, MO 65657-8818
Document Number	0000004961
Book / Page	2026 / 4893
Instrument Date	Apr 17, 2026
Instrument	20264961
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SURRATT DR, GARRISON, MO 65657-8818

Mortgage

Document Number	0000004961,
Date	Apr 23, 2026
Book Page	2026/4893
Instrument	20264961

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	406 SURRATT DR, GARRISON, MO 65657-8818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITAN TTL & CLOSING OF MO LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201917441
Date	Dec 31, 2019
Book Page	2019/17441
Instrument	2019L17606

Lender

Name	ASSEMBLIES OF GOD CU
Type	Credit Union
Address	SPRINGFIELD, MO 65803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Christian County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Christian County
Unified School District	Chadwick R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$21,820 (+6.28%)	$114,900 (+6.29%) Land $20,100 Building $94,800
2024	$1,134.00
2023		$20,530	$108,100 Land $20,100 Building $88,000

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 November 1, 2023

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 50% of the US · above 69% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Total HighSpeed Internet Solutions Fixed Wireless	30 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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