4880 Democracy Dr, Ashland, MO 65010 Property Records

Boone County property record for 4880 Democracy Dr, Ashland, MO 65010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,674 sqft · built 2019
Lot Size	0.432 acres (18,841 sqft)
Owner	Individual Name on File
Last Sale	$238,100 (May 2020)
Tax Bill	$3,328 (2025)
Deeds & Mortgages	May 2020 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-502-00-10-175-00`

Property Details

APN / Parcel Number

Primary APN	`24-502-00-10-175-00`
Alternative APN	`24-502-00-10-175.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,674 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	18,841 sqft (0.432 acres)
Lot Dimensions	120 ft deep x 157 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	4880 DEMOCRACY DR
City	ASHLAND
State	MO
Zip	65010-5506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY LANDING PLAT 6 LOT 623
Legal Range	12W
Legal Township	46N
Legal Section	15
Legal Subdivision	LIBERTY LANDING PLAT NUMBER SIX 6
Jurisdiction	BOONE MO
Township / Civil Division	CEDAR
Census Block Group	2
Census Block	2006
Census Tract	1704

Owner

4880 Democracy Dr is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4880 DEMOCRACY DR, ASHLAND, MO 65010-5506
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
May 22, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC
Dec 3, 2019	Grant Deed, Transfer · Line of Credit HAWTHORN BK
Feb 8, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/BOONE CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2020 · Amount on File
Deed Sale	May 22, 2020 · Amount on File
Deed Document Number	202010394
Deed Book / Page	5190 / 49
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	May 22, 2020
Property Address	4880 DEMOCRACY DR, ASHLAND, MO 65010-5506
Document Number	2020010394
Book / Page	5190 / 49
Map Reference	MB 52 PG 42
Instrument Date	May 22, 2020
Instrument	2020010394
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 3, 2021
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	4880 DEMOCRACY DR, ASHLAND, MO 65010-5506

Mortgage

Document Number	2020010395
Date	May 22, 2020
Instrument	2020010395

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BOONE MO
Recording Date	Dec 3, 2019
Property Address	4880 DEMOCRACY DR, ASHLAND, MO 65010-5506
Document Number	0000023708
Book / Page	005114 / 000113
Instrument Date	Nov 27, 2019
Instrument	23708
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	BOONE CENTRAL TITLE COMPANY, BOONE CENTRAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 760 ASHLAND MO 650100760, ASHLAND, MO 65010-0760

Mortgage

Document Number	23709
Date	Dec 3, 2019
Book Page	005114/000114
Instrument	23709

Lender

Name	HAWTHORN BK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	4880 DEMOCRACY DR, ASHLAND, MO 65010-5506
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 4880 Democracy Dr was $3,328.

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		$47,215 (-) Land $4,750 Building $42,465
2025	$3,328.00	$47,215 Land $4,750 Building $42,465	$248,500 Land $25,000 Building $223,500
2023	$2,917.00 (-0.85%)	$41,230 Land $4,750 Building $36,480	$217,000 Land $25,000 Building $192,000
2022	$2,942.00

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 4880 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 4880 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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