April 2021: Warranty Deed, Subdivision Related Transfer
Document Type
Warranty Deed
Jurisdiction
BOONE MO
Recording Date
Apr 23, 2021
Property Address
4891 DEMOCRACY DR, ASHLAND, MO 65010-5507
Document Number
0000012065
Book / Page
5413 / 110
Map Reference
MB 52 PG 42
Instrument Date
Apr 16, 2021
Instrument
2021012065
Transaction Type
Subdivision Related Transfer
Record Updated
Oct 3, 2025
Transaction
Tax
$0.00
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
4891 DEMOCRACY DR, ASHLAND, MO 65010-5507
Investor
Possibly a Property Investor
Mortgage
Document Number
0000012066
Date
Apr 23, 2021
Instrument
2021012066
Lender
Name
FLAT BRANCH HOME LOANS INC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
May 1, 2051
July 2020: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
BOONE MO
Property Address
4891 DEMOCRACY DR, ASHLAND, MO 65010-5507
Document Number
0000017502
Instrument Date
Jul 29, 2020
Transaction Type
Mortgage
Record Updated
Aug 19, 2020
Title Company
NOT AVAILABLE
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
3051 E ROUTE M ASHLAND MO 650109039, ASHLAND, MO 65010-9039
Mortgage
Document Number
0000017502
Date
Jul 29, 2020
Book Page
005235/000020
Instrument
17502
Lender
Name
CENTRAL TR BK
Type
Bank
Address
JEFFERSON CITY, MO 65101
Agreement
Amount
Amount on Record
October 2019: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
BOONE MO
Recording Date
Oct 17, 2019
Property Address
4891 DEMOCRACY DR, ASHLAND, MO 65010-5507
Document Number
0000020237
Book / Page
005094 / 000034
Instrument Date
Oct 17, 2019
Instrument
20237
Transaction Type
Transfer
Record Updated
Oct 25, 2019
Title Company
BOONE CENTRAL TITLE COMPANY, BOONE CENTRAL TITLE CO
Transaction
Tax
$0.00
Additional
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
3051 E ROUTE M ASHLAND MO 650109039, ASHLAND, MO 65010-9039
February 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
BOONE MO
Property Address
4891 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 4891 Democracy Dr was $3,546, up 13.9% from the year before.
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
$50,312 (-)Land $6,650Building $43,662
2025
$3,546.00 (+13.95%)
$50,312Land $6,650Building $43,662
$264,800Land $35,000Building $229,800
2024
$3,112.00 (+0.1%)
2023
$3,109.00 (-0.86%)
$43,947Land $6,650Building $37,297
$231,300Land $35,000Building $196,300
2022
$3,136.00
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 4891 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 4891 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