176 Howard Dr, Cape Fair, MO 65624 Property Records

Stone County property record for 176 Howard Dr, Cape Fair, MO 65624

Property Summary

Property Type	Single Family Home
Details	2,210 sqft · built 2006
Owner	Individual Name on File
Tax Bill	$1,181 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-1.0-01-000-000-002.215`

Property Details

APN / Parcel Number

Primary APN	`10-1.0-01-000-000-002.215`

Interior

Stories	1 Story
Building Area	2,210 sqft Adjusted Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	176 HOWARD DR
City	CAPE FAIR
State	MO
Zip	65624-4621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT:15 SUBD:EDGEWATER VILLAGE PH 6 SEC/TWN/RNG/MER:SEC 01 TWN 23 RNG 24
Legal Subdivision	EDGEWATER VILLAGE PH 6
Legal Lot Number	15
Jurisdiction	STONE MO
Township / Civil Division	FLAT CREEK A
Census Block Group	1
Census Block	1085
Census Tract	90201

Owner

176 Howard Dr is owned and occupied by an individual who acquired it in May 2017.

Source: Stone County records, as of November 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	176 HOWARD DR, CAPE FAIR, MO 65624-4621
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 17, 2017	Warranty Deed, Transfer · Conventional Mortgage TABLE ROCK COMMUNITY BANK
Feb 14, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2017
Deed Sale	May 17, 2017
Prior Sale	Feb 14, 2017
Deed Document Number	0201706492
Deed Book / Page	2017 / 06492
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONE MO
Property Address	176 HOWARD DR, CAPE FAIR, MO 65624-4621
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 HOWARD DR, CAPE FAIR, MO 65624-4621

Mortgage

Document Number	202100019752
Date	Dec 10, 2021
Instrument	202100019752

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONE MO
Property Address	176 HOWARD DR, CAPE FAIR, MO 65624-4621
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013880
Date	Nov 3, 2020
Instrument	202000013880

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STONE MO
Recording Date	May 17, 2017
Property Address	176 HOWARD DR, CAPE FAIR, MO 65624-4621
Document Number	201700006492
Map Reference	MB 43 PG 96-99
Instrument Date	May 17, 2017
Instrument	201700006492
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 HOWARD DR, CAPE FAIR, MO 65624-4621

Mortgage

Document Number	201700006493
Date	May 17, 2017
Instrument	201700006493

Lender

Name	TABLE ROCK COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONE MO
Recording Date	Feb 14, 2017
Property Address	176 HOWARD DR, CAPE FAIR, MO 65624-4621
Document Number	201700002130
Instrument Date	Feb 3, 2017
Instrument	201700002130
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 HOWARD DR, CAPE FAIR, MO 65624-4621

Tax Assessment & Valuation

The 2025 property tax bill for 176 Howard Dr was $1,181.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Stone County
Unified School District	Reeds Spring R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,181.00	$24,150	$127,100 Land $12,500 Building $114,600
2023	$1,181.00	$24,150	$127,100 Land $12,500 Building $114,600

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

Flood

FEMA maps place 176 Howard Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 27, 2024 · 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

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 176 Howard Dr is moderate, ranking above 40% 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 40% of the US · lower than 60% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Brightspeed DSL	80 / 10
Total HighSpeed Internet Solutions Fixed Wireless	30 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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