643 Oak Crest Cir, Gardner, KS 66030 Property Records

Johnson County property record for 643 Oak Crest Cir, Gardner, KS 66030

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,709 sqft · built 2003
Lot Size	0.398 acres (17,313 sqft)
Owner	Individual Name on File
Tax Bill	$5,962 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jul 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CP13700004-0023`

Property Details

APN / Parcel Number

Primary APN	`CP13700004-0023`
Alternative APNs	`0461493003024005000` `R181436`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,709 sqft Living Area
Gross Area	3,457 sqft
1st Floor Area	1,499 sqft
Basement Area	1,483 sqft
Finished Basement	1,210 sqft
Unfinished Basement	273 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	17,313 sqft (0.398 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Slab
Porch Area	380 sqft
Deck Area	Deck Area
Patio Area	455 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	R181436
Street Address	643 OAK CREST CIR
City	GARDNER
State	KS
Zip	66030-9483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COTTAGE CREEK V LT 23 BLK 4 GAC 310 4 23
Legal Subdivision	COTTAGE CREEK V
Legal Block	4
Legal Lot Number	23
Jurisdiction	JOHNSON KS
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	53705

Owner

643 Oak Crest Cir is owned and occupied by an individual who acquired it in July 2019.

Source: Johnson County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	643 OAK CREST CIR, GARDNER, KS 66030-9483
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage LANDMARK NATIONAL BANK
Jul 12, 2019	Warranty Deed, Transfer CONTINENTAL, CONTINENTAL TITLE COMPANY
Mar 29, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2019
Deed Sale	Jul 12, 2019
Prior Sale	Mar 29, 2018 · Amount on File
Deed Book / Page	201907 / 4093
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON KS
Property Address	643 OAK CREST CIR, GARDNER, KS 66030-9483
Transaction Type	Mortgage
Record Updated	Feb 29, 2024
Title Company	ALPHA TITLE GUARANTY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201907/004646
Date	Jul 15, 2019
Book Page	201907/004646

Lender

Name	LANDMARK NATIONAL BANK
Type	Bank
Address	MANHATTAN, KS 66505

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON KS
Recording Date	Jul 12, 2019
Property Address	643 OAK CREST CIR, GARDNER, KS 66030-9483
Document Number	201907/004093
Book / Page	201907 / 004093
Instrument Date	Jul 10, 2019
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON KS
Recording Date	Mar 29, 2018
Property Address	643 OAK CREST CIR, GARDNER, KS 66030-9483
Document Number	201803/008327
Book / Page	201803 / 008327
Instrument Date	Mar 23, 2018
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	201803008955
Date	Mar 29, 2018
Instrument	201803/008955

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 643 Oak Crest Cir was $5,962, down 0.2% from the year before.

Source: Johnson County assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Kansas
County	Johnson County
Municipality	Gardner City
Unified School District	Gardner Edgerton Unified School District 231 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,962.00 (-0.18%)	$48,691 (+0.69%) Land $7,659 Building $41,032	$423,400 (+0.69%) Land $66,600 Building $356,800
2024	$5,973.00 (+13.58%)	$48,358 (+16.16%) Land $7,659 Building $40,699	$420,500 (+16.16%) Land $66,600 Building $353,900
2023	$5,259.00 (+8.52%)	$41,630 (+9.7%) Land $6,970 Building $34,660	$362,000 (+9.7%) Land $60,610 Building $301,390
2022	$4,846.00	$37,950 Land $5,937 Building $32,013	$330,000 Land $51,630 Building $278,370

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

Flood

FEMA maps place 643 Oak Crest Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026

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 643 Oak Crest Cir is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.4% of Kansas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF GARDNER serves 23,942 people · EPA ID KS2009106
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 548 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T, GoBrolly, Mercury Fiber, T-Mobile, Verizon.

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