5520 N 12th Ave, Ozark, MO 65721 Property Records

Christian County property record for 5520 N 12th Ave, Ozark, MO 65721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,656 sqft · built 2004
Lot Size	0.21 acres (9,166 sqft)
Owner	Individual Name on File
Tax Bill	$1,879 (2024)
Deeds & Mortgages	Mar 2024 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-0.1-2-1-5-46`

Property Details

APN / Parcel Number

Primary APN	`11-0.1-2-1-5-46`
Alternative APN	`11-0.1-02-001-005-046.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,656 sqft Living Area
1st Floor Area	1,656 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,166 sqft (0.21 acres)
Lot Dimensions	117 ft deep x 78 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5520 N 12TH AVE
City	OZARK
State	MO
Zip	65721-4244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 171 WATERFORD PHASE 2 (* SB-190 APPROVED APPLICANT *)
Legal Range	21W
Legal Township	27N
Legal Section	02
Legal Subdivision	WATERFORD PHASE 2
Legal Phase	2
Legal Lot Number	171
Jurisdiction	CHRISTIAN MO
Township / Civil Division	RIVERSIDE
Census Block Group	3
Census Block	3030
Census Tract	20310

Owner

5520 N 12th Ave is owned and occupied by an individual who acquired it in May 2024.

Source: Christian County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	5520 N 12TH AVE, OZARK, MO 65721-4244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Mar 19, 2024	Deed of Trust, Mortgage · Land Contract CITIZENS BANK OF ROGERSVILLE
May 1, 2020	Deed of Trust, Mortgage SPRINGFIELD FIRST CMNTY BK
May 16, 2017	Deed of Trust, Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2024
Deed Sale	May 17, 2024
Prior Sale	May 1, 2020 · Amount on File
Deed Document Number	20245039
Deed Book / Page	2024 / 4970
Prior Transfer Date	Oct 27, 2008
Prior Transfer Doc	0200815965
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	5520 N 12TH AVE, OZARK, MO 65721-4244
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 N 12TH AVE, OZARK, MO 65721-4244

Mortgage

Document Number	0202402675
Date	Mar 19, 2024
Book Page	2024/2675
Instrument	2024L02710

Lender

Name	CITIZENS BANK OF ROGERSVILLE
Type	Bank
Address	ROGERSVILLE, MO 65742

Agreement

Type	Land Contract
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	5520 N 12TH AVE, OZARK, MO 65721-4244
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	CHOICE TITLE AGENCY INC, CHOICE ESCROW & LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5520 N 12TH AVE OZARK MO 657214244, OZARK, MO 65721-4244

Mortgage

Document Number	202005917
Date	May 1, 2020
Book Page	002020/005917
Instrument	5975

Lender

Name	SPRINGFIELD FIRST CMNTY BK
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Amount	Amount on Record
Term	432 Months
Due	Apr 30, 2056

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	5520 N 12TH AVE, OZARK, MO 65721-4244
Document Number	0201706316
Book / Page	002017 / 006316
Instrument Date	May 16, 2017
Transaction Type	Mortgage
Record Updated	Oct 6, 2017
Title Company	LINEAR TITLE AND CLOSING, LINEAR TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 N 12TH AVE OZARK MO 657214244, OZARK, MO 65721-4244

Mortgage

Document Number	0201706316
Date	May 23, 2017
Book Page	002017/006316
Instrument	6380

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Amount	Amount on Record
Term	240 Months
Due	May 22, 2037

Tax Assessment & Valuation

Source: Christian County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Christian County
Municipality	Ozark City
Unified School District	Ozark R-VI School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$34,430	$181,200 Land $40,000 Building $141,200
2024	$1,879.00
2023		$30,020	$158,000 Land $35,000 Building $123,000

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

Flood

FEMA maps place 5520 N 12th Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 1, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5520 N 12th Ave is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 47% of Missouri
Wildfire Likelihood	0.06% 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	OZARK PWS serves 23,248 people · EPA ID MO5010619
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T, Brightspeed, Verizon.

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