109 W 4th St, Stover, MO 65078 Property Records

Morgan County property record for 109 W 4th St, Stover, MO 65078

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,216 sqft · built 1950
Lot Size	0.344 acres (15,000 sqft)
Owner	Company Name on Record
Tax Bill	$1,529 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-7.0-35-300-002-015.000`

Property Details

APN / Parcel Number

Primary APN	`09-7.0-35-300-002-015.000`

Interior

Building Area	3,216 sqft Adjusted Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Foundation Type	Concrete
Roof Type	Gambrel
Roof Material	Metal
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	109 W 4TH ST
City	STOVER
State	MO
Zip	65078-0828
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	PRT LOT 13 HUGHES ADD
Legal Subdivision	HUGHES ADD
Legal Lot Number	13
Jurisdiction	MORGAN MO
Township / Civil Division	HAW CREEK
Census Block Group	3
Census Block	3022
Census Tract	470200

Owner

Source: Morgan County records, as of January 12, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 133, STOVER, MO 65078-0133
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF ELDON
Sep 24, 2024	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK OF ELDON
Aug 7, 2025	Warranty Deed, Transfer · Line of Credit CITIZENS BANK OF ELDON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2025
Deed Sale	Aug 7, 2025
Prior Sale	Dec 9, 2009
Deed Document Number	202503613
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Property Address	109 W 4TH ST, STOVER, MO 65078-0828
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 133, STOVER, MO 65078-0133
Investor	Possibly a Property Investor

Mortgage

Document Number	0202504401
Date	Sep 17, 2025
Instrument	202504401

Lender

Name	CITIZENS BANK OF ELDON
Type	Bank
Address	ELDON, MO 65026

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	252 Months
Due	Sep 15, 2046

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Property Address	109 W 4TH ST, STOVER, MO 65078-0828
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	HUBBARD-KAVANAUGH TITLE COMPANY, HUBBARD KAVANAUGH TTL GUARAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 296, STOVER, MO 65078-0296

Mortgage

Document Number	0202404389
Date	Sep 24, 2024
Instrument	202404389

Lender

Name	CITIZENS BANK OF ELDON
Type	Bank
Address	ELDON, MO 65026

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 20, 2044

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN MO
Recording Date	Aug 7, 2025
Property Address	109 W 4TH ST, STOVER, MO 65078-0828
Document Number	0202503613
Map Reference	MB 1835 PG 35
Instrument Date	Aug 6, 2025
Instrument	202503613
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	JP TITLE GUARANTY INC, TITLE GUARANTY INC

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 133, STOVER, MO 65078-0133
Investor	Possibly a Property Investor

Mortgage

Document Number	0202503614
Date	Aug 7, 2025
Instrument	202503614

Lender

Name	CITIZENS BANK OF ELDON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 6, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Morgan County
Municipality	Stover City
Unified School District	Morgan County R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,529.00 (+7%)	$30,300 (+9.98%)
2024			$94,700 (+9.99%) Land $6,100 Building $88,600
2023	$1,429.00 (+0.07%)	$27,550
2022	$1,428.00 (+49.53%)		$86,100 Land $6,100 Building $80,000
2011	$955.00

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 November 16, 2020

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

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

Wildfire Risk	Moderate above 44% of the US · above 49% of Missouri
Wildfire Likelihood	0.08% 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	STOVER PWS serves 1,094 people · EPA ID MO3010767
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Co-Mo Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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