191 Somerset St, Shell Knob, MO 65747 Property Records

Stone County property record for 191 Somerset St, Shell Knob, MO 65747

Property Summary

Property Type	Single Family Home
Details	1,587 sqft
Owner	Individual Name on Record
Tax Bill	$1,089 (2025)
Deeds & Mortgages	Mar 2020 Construction Loan Feb 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-4.0-19-001-006-016.001`

Property Details

APN / Parcel Number

Primary APN	`15-4.0-19-001-006-016.001`

Interior

Building Area	1,587 sqft Adjusted Area

Location & Zoning

Street Address	191 SOMERSET ST
City	SHELL KNOB
State	MO
Zip	65747-8431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:23 , 25 BLK:6 SUBD:TURKEY MOUNTAIN ESTATES #2 6TH SEC/TWN/RNG/MER:SEC 19 TWN 22 RNG 24
Legal Subdivision	TURKEY MOUNTAIN ESTATES #2 6TH
Legal Block	6
Legal Lot Number	23 , 25
Jurisdiction	STONE MO
Township / Civil Division	ALPINE
Census Block Group	2
Census Block	2080
Census Tract	90202

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	191 SOMERSET ST, SHELL KNOB, MO 65747-8431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Deed of Trust, Mortgage · Construction Mortgage FREEDOM BANK OF SOUTHERN MISSOURI
Feb 11, 2021	Deed of Trust, Mortgage · Line of Credit FREEDOM BANK OF SOUTHERN MISSOURI
Jan 3, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022
Deed Sale	Jan 3, 2022
Deed Document Number	0020220089
Deed Book / Page	2022 / 0089
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONE MO
Property Address	191 SOMERSET ST, SHELL KNOB, MO 65747-8431
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000003719
Date	Mar 23, 2020
Instrument	202000003719

Lender

Name	FREEDOM BANK OF SOUTHERN MISSOURI
Type	Bank
Address	SHELL KNOB, MO 65747

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 20, 2021

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONE MO
Property Address	191 SOMERSET ST, SHELL KNOB, MO 65747-8431
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100002257
Date	Feb 11, 2021
Instrument	202100002257

Lender

Name	FREEDOM BANK OF SOUTHERN MISSOURI
Type	Bank
Address	SHELL KNOB, MO 65747

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 5, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STONE MO
Recording Date	Jan 3, 2022
Property Address	191 SOMERSET ST, SHELL KNOB, MO 65747-8431
Document Number	202200000089
Instrument Date	Jan 3, 2022
Instrument	202200000089
Transaction Type	Transfer
Record Updated	Feb 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SOMERSET ST, SHELL KNOB, MO 65747-8431
Investor	Possibly a Property Investor

Mortgage

Document Number	202200000090
Date	Jan 3, 2022
Instrument	202200000090

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Stone County
Elementary School District	Shell Knob 78 School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,089.00	$23,220 (-)	$122,200 (-) Land $8,200 Building $114,000
2023	$1,089.00	$23,220	$122,200 Land $8,200 Building $114,000

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	3 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · other causes

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 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.05% 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	MO AMERICAN OZARK MTN WATER COMPANY 2 private · serves 583 people · EPA ID MO5036163
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	7 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	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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Table Rock Broadband Fixed Wireless	50 / 25
Total HighSpeed Internet Solutions Fixed Wireless	30 / 10
AT&T Fixed Wireless	25 / 3

May also be available: Brightspeed, T-Mobile.

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