5191 Democracy Dr, Ashland, MO 65010 Property Records

Boone County property record for 5191 Democracy Dr, Ashland, MO 65010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,615 sqft · built 2021
Lot Size	0.232 acres (10,104 sqft)
Owner	Individual Name on Record
Last Sale	$248,600 (Sep 2021)
Tax Bill	$3,050 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-502-00-10-189-00`

Property Details

APN / Parcel Number

Primary APN	`24-502-00-10-189-00`
Alternative APN	`24-502-00-10-189.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,615 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	10,104 sqft (0.232 acres)
Lot Dimensions	106 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	5191 DEMOCRACY DR
City	ASHLAND
State	MO
Zip	65010-5559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY LANDING PLAT 7 LOT 705
Legal Range	12W
Legal Township	46N
Legal Section	15
Legal Subdivision	LANDING PLAT NUMBER 7
Jurisdiction	BOONE MO
Township / Civil Division	CEDAR
Census Block Group	2
Census Block	2006
Census Tract	1704

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5191 DEMOCRACY DR, ASHLAND, MO 65010-5559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Sep 27, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTRAL BANK OF BOONE COUNTY
May 3, 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	Name on Deed
Last Sale	Sep 27, 2021 · Amount on Record
Deed Sale	Sep 27, 2021 · Amount on Record
Prior Sale	May 3, 2021 · Amount on Record
Deed Document Number	202127730
Deed Book / Page	5509 / 61
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	5191 DEMOCRACY DR, ASHLAND, MO 65010-5559
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5191 DEMOCRACY DR, ASHLAND, MO 65010-5559

Mortgage

Document Number	0000018635
Date	Aug 25, 2022
Book Page	5665/184
Instrument	2022018635

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 23, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Sep 27, 2021
Property Address	5191 DEMOCRACY DR, ASHLAND, MO 65010-5559
Document Number	0000027730
Book / Page	5509 / 61
Map Reference	MB 52 PG 43
Instrument Date	Sep 24, 2021
Instrument	2021027730
Transaction Type	Subdivision Related 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	5191 DEMOCRACY DR, ASHLAND, MO 65010-5559

Mortgage

Document Number	0000027731
Date	Sep 27, 2021
Instrument	2021027731

Lender

Name	CENTRAL BANK OF BOONE COUNTY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	May 3, 2021
Property Address	5191 DEMOCRACY DR, ASHLAND, MO 65010-5559
Document Number	0000012978
Book / Page	5419 / 118
Map Reference	MB 52 PG 43
Instrument Date	Apr 27, 2021
Instrument	2021012978
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	5601 SPICEWOOD DR, COLUMBIA, MO 65203-4514
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012980
Date	May 3, 2021
Instrument	2021012980

Lender

Name	CENTRAL BANK OF BOONE COUNTY
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	5191 DEMOCRACY DR, ASHLAND, MO 65010-5559
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 Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$49,305 (-) Land $6,650 Building $42,655
2025	$3,050.00 (+0.13%)	$49,305 (+14.52%) Land $6,650 Building $42,655	$259,500 (+14.52%) Land $35,000 Building $224,500
2023	$3,046.00 (-0.85%)	$43,054 Land $6,650 Building $36,404	$226,600 Land $35,000 Building $191,600
2022	$3,072.00

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

Flood

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 Record 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

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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