4900 Democracy Dr, Ashland, MO 65010 Property Records

Boone County property record for 4900 Democracy Dr, Ashland, MO 65010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 2020
Lot Size	0.258 acres (11,241 sqft)
Owner	2 Individual Names on File
Last Sale	$490,770 (Apr 2026)
Tax Bill	$2,928 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-502-00-10-177-00`

Property Details

APN / Parcel Number

Primary APN	`24-502-00-10-177-00`
Alternative APN	`24-502-00-10-177.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	11,241 sqft (0.258 acres)
Lot Dimensions	132 ft deep x 84.8 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	4900 DEMOCRACY DR
City	ASHLAND
State	MO
Zip	65010-5508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY LANDING PLAT 6 LOT 625
Legal Range	12W
Legal Township	46N
Legal Section	15
Legal Subdivision	LIBERTY LANDING PLAT NUMBER SIX
Jurisdiction	BOONE MO
Township / Civil Division	CEDAR
Census Block Group	2
Census Block	2006
Census Tract	1704

Owner

4900 Democracy Dr is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4900 DEMOCRACY DR, ASHLAND, MO 65010-5508
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 15, 2026	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Feb 18, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage COMMUNITY MORTGAGE LLC
Nov 25, 2019	Deed of Trust, Mortgage · Line of Credit FIRST ST CMNTY BK
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	Apr 15, 2026 · Amount on File
Deed Sale	Apr 15, 2026 · Amount on File
Prior Sale	Feb 18, 2021 · Amount on File
Deed Document Number	20266673
Deed Book / Page	6138 / 52
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Apr 15, 2026
Property Address	4900 DEMOCRACY DR, ASHLAND, MO 65010-5508
Document Number	0000006673
Book / Page	6138 / 52
Instrument Date	Apr 14, 2026
Instrument	20266673
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 DEMOCRACY DR, ASHLAND, MO 65010-5508

Mortgage

Document Number	0000006674,
Date	Apr 15, 2026
Instrument	20266674

Lender

Name	WINTRUST MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Feb 18, 2021
Property Address	4900 DEMOCRACY DR, ASHLAND, MO 65010-5508
Document Number	0000004817
Book / Page	5368 / 125
Map Reference	MB 52 PG 42
Instrument Date	Feb 11, 2021
Instrument	2021004817
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 DEMOCRACY DR, ASHLAND, MO 65010-5508

Mortgage

Document Number	0000004818
Date	Feb 18, 2021
Instrument	2021004818

Lender

Name	COMMUNITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	4900 DEMOCRACY DR, ASHLAND, MO 65010-5508
Document Number	0000023415
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15 BOGIE HILLS DR COLUMBIA MO 652012819, COLUMBIA, MO 65201-2819

Mortgage

Document Number	0000023415
Date	Nov 27, 2019
Book Page	005112/000120
Instrument	23415

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	COLUMBIA, MO 65203

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	4900 DEMOCRACY DR, ASHLAND, MO 65010-5508
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 4900 Democracy Dr was $2,928.

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		$47,310 (-) Land $4,750 Building $42,560
2025	$2,928.00	$47,310 Land $4,750 Building $42,560	$249,000 Land $25,000 Building $224,000
2023	$2,924.00 (-0.85%)	$41,325 Land $4,750 Building $36,575	$217,500 Land $25,000 Building $192,500
2022	$2,949.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4900 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 4900 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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