5160 Democracy Dr, Ashland, MO 65010 Property Records

Boone County property record for 5160 Democracy Dr, Ashland, MO 65010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 2021
Lot Size	0.243 acres (10,619 sqft)
Owner	2 Individual Names on File
Last Sale	$396,705 (Nov 2023)
Tax Bill	$3,559 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-502-00-10-196-00`

Property Details

APN / Parcel Number

Primary APN	`24-502-00-10-196-00`
Alternative APN	`24-502-00-10-196.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	10,619 sqft (0.243 acres)
Lot Dimensions	108 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	5160 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 712
Legal Range	12W
Legal Township	46N
Legal Section	15
Legal Subdivision	LIBERTY LANDING PLAT NUMBER SEVEN
Jurisdiction	BOONE MO
Township / Civil Division	CEDAR
Census Block Group	2
Census Block	2006
Census Tract	1704

Owner

5160 Democracy Dr is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5160 DEMOCRACY DR, ASHLAND, MO 65010-5558
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
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Nov 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Apr 18, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDWEST MORTGAGE ASSOCIATES CORP
May 25, 2021	Warranty Deed, Construction Loan · Construction Mortgage CENTRAL BANK OF BOONE COUNTY
Oct 21, 2020	Deed of Trust, Construction Loan · Line of Credit CENTRAL BK/BOONE CNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on File
Deed Sale	Nov 17, 2023 · Amount on File
Prior Sale	Apr 18, 2022 · Amount on File
Deed Document Number	202318395
Deed Book / Page	5814 / 69
Prior Transfer Date	May 24, 2021
Prior Transfer Doc	0000015424
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	5160 DEMOCRACY DR, ASHLAND, MO 65010-5558
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5160 DEMOCRACY DR, ASHLAND, MO 65010-5558

Mortgage

Document Number	0000000149
Date	Jan 5, 2026
Book Page	6095/94
Instrument	2026000149

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

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

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Nov 17, 2023
Property Address	5160 DEMOCRACY DR, ASHLAND, MO 65010-5558
Document Number	0000018395
Book / Page	5814 / 69
Map Reference	MB 52 PG 43
Instrument Date	Nov 15, 2023
Instrument	2023018395
Transaction Type	Transfer
Record Updated	Nov 28, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5160 DEMOCRACY DR, ASHLAND, MO 65010-5558

Mortgage

Document Number	0000018396
Date	Nov 17, 2023
Instrument	2023018396

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Apr 18, 2022
Property Address	5160 DEMOCRACY DR, ASHLAND, MO 65010-5558
Document Number	0000008252
Book / Page	5607 / 38
Map Reference	PLT MB 52 PG 43
Instrument Date	Apr 15, 2022
Instrument	2022008252
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	5160 DEMOCRACY DR, ASHLAND, MO 65010-5558

Mortgage

Document Number	0000008253
Date	Apr 18, 2022
Instrument	2022008253

Lender

Name	MIDWEST MORTGAGE ASSOCIATES CORP
Type	Mortgage Company

Agreement

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

May 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	May 25, 2021
Property Address	5160 DEMOCRACY DR, ASHLAND, MO 65010-5558
Document Number	0000015424
Book / Page	5434 / 130
Map Reference	MB 52 PG 43
Instrument Date	May 24, 2021
Instrument	2021015424
Transaction Type	Construction Loan
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	13935 S ROBBIE FORBIS RD, ASHLAND, MO 65010-9115

Mortgage

Document Number	0000015426
Date	May 25, 2021
Instrument	2021015426

Lender

Name	CENTRAL BANK OF BOONE COUNTY
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Recording Date	Oct 21, 2020
Property Address	5160 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 5160 Democracy Dr was $3,559.

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		$50,502 (-) Land $6,650 Building $43,852
2025	$3,559.00	$50,502 Land $6,650 Building $43,852	$265,800 Land $35,000 Building $230,800
2023	$3,120.00 (+18.72%)	$44,099 Land $6,650 Building $37,449	$232,100 Land $35,000 Building $197,100
2022	$2,628.00

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 5160 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 5160 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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