1210 Waters Rd, Stella, MO 64867 Property Records

McDonald County property record for 1210 Waters Rd, Stella, MO 64867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,484 sqft · built 1976
Lot Size	88.2 acres (3,843,734 sqft)
Owner	Individual Name on File
Last Sale	$177,500 (Dec 2017)
Tax Bill	$713 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-9.0-31-000-000-012.000`

Property Details

APN / Parcel Number

Primary APN	`02-9.0-31-000-000-012.000`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,484 sqft Adjusted Area
1st Floor Area	1,378 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Fiber Cement Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	3,843,734 sqft (88.2 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1210 WATERS RD
City	STELLA
State	MO
Zip	64867-8051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 SW1/4
Legal Range	30W
Legal Township	23N
Legal Section	31
Jurisdiction	MCDONALD MO
Township / Civil Division	ELK HORN
Census Block Group	1
Census Block	1069
Census Tract	70102

Owner

1210 Waters Rd is owned and occupied by an individual who bought it in December 2017.

Source: McDonald County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1210 WATERS RD, STELLA, MO 64867-8051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Closed-End Mortgage THE CORNER STONE BANK
Jan 16, 2022	Deed of Trust, Mortgage · Line of Credit THE CORNER STONE BANK
Jan 18, 2022	Deed of Trust, Mortgage · Line of Credit THE CORNER STONE BANK
Nov 8, 2021	Deed of Trust, Mortgage · Line of Credit THE CORNER STONE BANK
Dec 27, 2017	Warranty Deed, Transfer · Line of Credit THE CORNER STONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2017 · Amount on File
Deed Sale	Dec 27, 2017 · Amount on File
Deed Document Number	20173232
Deed Book / Page	2017 / 3232
Prior Transfer Date	Apr 18, 2012
Prior Transfer Doc	02012/0946
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDONALD MO
Property Address	1210 WATERS RD, STELLA, MO 64867-8051
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 WATERS RD, STELLA, MO 64867-8051

Mortgage

Document Number	02023/2875
Date	Nov 27, 2023
Book Page	2023/2875
Instrument	202303247

Lender

Name	THE CORNER STONE BANK
Type	Bank
Address	SOUTH WEST CITY, MO 64863

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 25, 2043

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDONALD MO
Property Address	1210 WATERS RD, STELLA, MO 64867-8051
Transaction Type	Mortgage
Record Updated	Feb 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/166
Date	Jan 16, 2022
Book Page	2022/166
Instrument	2022-00000171

Lender

Name	THE CORNER STONE BANK
Type	Bank
Address	64963

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDONALD MO
Property Address	1210 WATERS RD, STELLA, MO 64867-8051
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 ROUTE JJ, ROCKY COMFORT, MO 64861-7130

Mortgage

Document Number	002022/166
Date	Jan 18, 2022
Book Page	2022/166

Lender

Name	THE CORNER STONE BANK
Type	Bank
Address	SOUTH WEST CITY, MO 64863

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDONALD MO
Property Address	1210 WATERS RD, STELLA, MO 64867-8051
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3550
Date	Nov 8, 2021
Book Page	2021/3550

Lender

Name	THE CORNER STONE BANK
Type	Bank
Address	SOUTH WEST CITY, MO 64863

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDONALD MO
Recording Date	Dec 27, 2017
Property Address	1210 WATERS RD, STELLA, MO 64867-8051
Document Number	02017/3232
Book / Page	2017 / 3232
Instrument Date	Dec 14, 2017
Instrument	2017-3232
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 WATERS RD, STELLA, MO 64867-8051

Mortgage

Document Number	0020173233
Date	Dec 27, 2017
Instrument	2017-3233

Lender

Name	THE CORNER STONE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1210 Waters Rd was $713, up 7.9% from the year before.

Source: McDonald County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	McDonald County
Unified School District	McDonald County R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$16,710 (-)	$99,760 (-) Land $19,570 Building $80,190
2025	$713.00 (+7.87%)	$16,710	$99,760 Land $19,570 Building $80,190
2024	$661.00 (+0.15%)
2023	$660.00	$15,530	$92,850 Land $19,070 Building $73,780

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 1210 Waters Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

Source: FEMA National Flood Hazard Layer, effective March 15, 2018 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2023 · river or lake flooding

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 1210 Waters Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 72% of Missouri
Wildfire Likelihood	0.1% 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	MC DONALD COUNTY PWSD 2 serves 1,500 people · EPA ID MO5021113
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Le-Ru Telephone Company DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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