4871 Democracy Dr, Ashland, MO 65010 Property Records

Boone County property record for 4871 Democracy Dr, Ashland, MO 65010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,466 sqft · built 2021
Lot Size	0.299 acres (13,058 sqft)
Owner	2 Individual Names on File
Last Sale	$402,511 (Jan 2026)
Tax Bill	$3,453 (2025)
Deeds & Mortgages	Apr 2021 Construction Loan Jan 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-502-00-10-157-00`

Property Details

APN / Parcel Number

Primary APN	`24-502-00-10-157-00`
Alternative APN	`24-502-00-10-157.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,466 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	13,058 sqft (0.299 acres)
Lot Dimensions	151 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	4871 DEMOCRACY DR
City	ASHLAND
State	MO
Zip	65010-5507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY LANDING PLAT 6 LOT 605
Legal Range	12W
Legal Township	46N
Legal Section	15
Legal Subdivision	LIBERTY LANDING PLAT NUMBER 6
Jurisdiction	BOONE MO
Township / Civil Division	CEDAR
Census Block Group	2
Census Block	2006
Census Tract	1704

Owner

4871 Democracy Dr is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4871 DEMOCRACY DR, ASHLAND, MO 65010-5507
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 26, 2021	Deed of Trust, Mortgage · Construction Mortgage MAIN STREET BANK
Jan 13, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORS BANK
Feb 15, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTRAL TRUST BANK
Apr 19, 2021	Warranty Deed, Transfer · Line of Credit MAIN STREET BANK
Feb 8, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/BOONE CNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2026 · Amount on File
Deed Sale	Jan 13, 2026 · Amount on File
Prior Sale	Feb 15, 2022 · Amount on File
Deed Document Number	2026666
Deed Book / Page	6098 / 118
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	4871 DEMOCRACY DR, ASHLAND, MO 65010-5507
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012236
Date	Apr 26, 2021
Book Page	5415/3
Instrument	2021012236

Lender

Name	MAIN STREET BANK
Type	Bank
Address	ASHLAND, MO 65010

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Jan 13, 2026
Property Address	4871 DEMOCRACY DR, ASHLAND, MO 65010-5507
Document Number	0000000666
Book / Page	6098 / 118
Map Reference	MB 52 PG 42
Instrument Date	Jan 12, 2026
Instrument	2026000666
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	BOONE CENTRAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4871 DEMOCRACY DR, ASHLAND, MO 65010-5507

Mortgage

Document Number	0000000667
Date	Jan 13, 2026
Instrument	2026000667

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Feb 15, 2022
Property Address	4871 DEMOCRACY DR, ASHLAND, MO 65010-5507
Document Number	0000003341
Book / Page	5580 / 5
Map Reference	MB 52 PG 42
Instrument Date	Feb 11, 2022
Instrument	2022003341
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 2, 2023
Title Company	BOONE CENTRAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4871 DEMOCRACY DR, ASHLAND, MO 65010-5507

Mortgage

Document Number	0000003342
Date	Feb 15, 2022
Instrument	2022003342

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Apr 19, 2021
Property Address	4871 DEMOCRACY DR, ASHLAND, MO 65010-5507
Document Number	0000011471
Book / Page	5410 / 31
Map Reference	MB 52 PG 42
Instrument Date	Apr 15, 2021
Instrument	2021011471
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	BOONE CENTRAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 502, ASHLAND, MO 65010-0502

Mortgage

Document Number	0000011473
Date	Apr 19, 2021
Instrument	2021011473

Lender

Name	MAIN STREET BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	4871 DEMOCRACY DR, ASHLAND, MO 65010-5507
Document Number	0000002167
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7070 HUNTERS BEND RD ASHLAND MO 650108974, ASHLAND, MO 65010-8974

Mortgage

Document Number	0000002167
Date	Feb 14, 2019
Book Page	004988/000175
Instrument	2167

Lender

Name	CENTRAL BK/BOONE CNTY
Address	COLUMBIA, MO 65205-0678

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4871 Democracy Dr was $3,453.

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		$49,001 (-) Land $6,650 Building $42,351
2025	$3,453.00	$49,001 Land $6,650 Building $42,351	$257,900 Land $35,000 Building $222,900
2023	$2,948.00 (+36.99%)	$41,667 Land $6,650 Building $35,017	$219,300 Land $35,000 Building $184,300
2022	$2,152.00

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 4871 Democracy Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective January 30, 2022 · 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
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Aug 2016 · other causes

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 4871 Democracy Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 144 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: Brightspeed, Callabyte.

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