5120 Democracy Dr, Ashland, MO 65010 Property Records

Boone County property record for 5120 Democracy Dr, Ashland, MO 65010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,527 sqft · built 2022
Lot Size	0.244 acres (10,666 sqft)
Owner	Trust Name on File
Tax Bill	$3,444 (2025)
Deeds & Mortgages	Jan 2023 Sale Sep 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-502-00-10-198-00`

Property Details

APN / Parcel Number

Primary APN	`24-502-00-10-198-00`
Alternative APN	`24-502-00-10-198.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,527 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	10,666 sqft (0.244 acres)
Lot Dimensions	108 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	5120 DEMOCRACY DR
City	ASHLAND
State	MO
Zip	65010-5558
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY LANDING PLAT 7 LOT 714
Legal Range	12W
Legal Township	46N
Legal Section	15
Legal Subdivision	LIBERTY PLAT NUMBER 7
Jurisdiction	BOONE MO
Township / Civil Division	CEDAR
Census Block Group	2
Census Block	2006
Census Tract	1704

Owner

5120 Democracy Dr is owner-occupied and held in a trust since July 2025.

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

Owner of Record	Trust Name on File
Mailing Address	5120 DEMOCRACY DR, ASHLAND, MO 65010-5558
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 26, 2023	Warranty Deed, Transfer BOONE CENTRAL TITLE COMPANY
Sep 29, 2022	Warranty Deed, Transfer BOONE CENTRAL TITLE COMPANY
Jan 27, 2022	Warranty Deed, Construction Loan BOONE CENTRAL TITLE COMPANY
Jan 12, 2022	Warranty Deed, Construction Loan · Line of Credit MAIN STREET BANK
Oct 21, 2020	Deed of Trust, Construction Loan · Line of Credit CENTRAL BK/BOONE CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2023
Deed Sale	Jan 26, 2023
Prior Sale	Sep 29, 2022
Deed Document Number	20231125
Deed Book / Page	5712 / 18
Last Transfer Date	Jul 15, 2025
Transfer Doc	0000012246
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Jan 26, 2023
Property Address	5120 DEMOCRACY DR, ASHLAND, MO 65010-5558
Document Number	0000001125
Book / Page	5712 / 18
Instrument Date	Jan 23, 2023
Instrument	2023001125
Transaction Type	Transfer
Record Updated	Oct 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	5120 DEMOCRACY DR, ASHLAND, MO 65010-5558

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Sep 29, 2022
Property Address	5120 DEMOCRACY DR, ASHLAND, MO 65010-5558
Document Number	0000020919
Book / Page	5678 / 83
Map Reference	MB 52 PG 43
Instrument Date	Sep 28, 2022
Instrument	2022020919
Transaction Type	Transfer
Record Updated	Oct 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	3323 COUNTY ROAD 338, NEW BLOOMFIELD, MO 65063-1209

January 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Jan 27, 2022
Property Address	5120 DEMOCRACY DR, ASHLAND, MO 65010-5558
Document Number	0000001919
Book / Page	5571 / 175
Instrument Date	Jan 10, 2022
Instrument	2022001919
Transaction Type	Construction Loan
Record Updated	Oct 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

January 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Jan 12, 2022
Property Address	5120 DEMOCRACY DR, ASHLAND, MO 65010-5558
Document Number	0000000762
Book / Page	5565 / 112
Map Reference	MB 52 PG 43
Instrument Date	Jan 5, 2022
Instrument	2022000762
Transaction Type	Construction Loan
Record Updated	Oct 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	0000000763
Date	Jan 12, 2022
Instrument	2022000763

Lender

Name	MAIN STREET BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Recording Date	Oct 21, 2020
Property Address	5120 DEMOCRACY DR, ASHLAND, MO 65010-5558
Document Number	0000026312
Book / Page	005291 / 000047
Instrument Date	Oct 16, 2020
Instrument	26312
Transaction Type	Construction Loan
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
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	0000026312
Date	Oct 21, 2020
Book Page	005291/000047
Instrument	26312

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 5120 Democracy Dr was $3,444.

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		$48,868 (-) Land $6,650 Building $42,218
2025	$3,444.00	$48,868 Land $6,650 Building $42,218	$257,200 Land $35,000 Building $222,200
2023	$3,019.00 (+870.74%)	$42,674 Land $6,650 Building $36,024	$224,600 Land $35,000 Building $189,600
2022	$311.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5120 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 5120 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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