189 Lake Cottage Ln, Shell Knob, MO 65747 Property Records

Stone County property record for 189 Lake Cottage Ln, Shell Knob, MO 65747

Property Summary

Property Type	Single Family Home
Details	3,902 sqft · built 2010
Lot Size	0.539 acres (23,522 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,803 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-5.0-16-000-000-007.014`

Property Details

APN / Parcel Number

Primary APN	`15-5.0-16-000-000-007.014`

Interior

Stories	1 Story
Building Area	3,902 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Stone
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.539 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	189 LAKE COTTAGE LN
City	SHELL KNOB
State	MO
Zip	65747-7731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT:4 SUBD:THE COTTAGES SEC/TWN/RNG/MER:SEC 16 TWN 22 RNG 24
Legal Subdivision	THE COTTAGES
Legal Lot Number	4
Jurisdiction	STONE MO
Township / Civil Division	WILLIAMS
Census Block Group	2
Census Block	2003
Census Tract	90401

Owner

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

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

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	189 LAKE COTTAGE LN, SHELL KNOB, MO 65747-7731
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2007
Deed Sale	Feb 13, 2007
Prior Sale	Sep 17, 2009
Deed Document Number	200700002867
Last Transfer Date	Aug 30, 2016
Transfer Doc	201600013090
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONE MO
Property Address	189 LAKE COTTAGE LN, SHELL KNOB, MO 65747-7731
Transaction Type	Mortgage
Record Updated	Jul 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 LAKE COTTAGE LN, SHELL KNOB, MO 65747-7731

Mortgage

Document Number	202200009900
Date	Jul 1, 2022
Instrument	202200009900

Lender

Name	UMB BANK NA
Type	Bank
Address	SPRINGFIELD, MO 65807

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Stone County
Unified School District	Blue Eye R-V School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,803.00	$52,160 (-)	$274,500 (-) Land $5,400 Building $269,100
2023	$2,803.00	$52,160	$274,500 Land $5,400 Building $269,100

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 August 27, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% 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	CRYSTAL BEACH SUBD private · serves 91 people · EPA ID MO5031192
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	13 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	4 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Total HighSpeed Internet Solutions Fixed Wireless	30 / 10

May also be available: T-Mobile, Table Rock Broadband, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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