2811 Ginger Dr, West Plains, MO 65775 Property Records

Howell County property record for 2811 Ginger Dr, West Plains, MO 65775

Property Summary

Property Type	Single Family Home
Details	2,214 sqft · built 1994
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$246,960 (Jul 2025)
Tax Bill	$1,452 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-3.2-07-004-007-013.01000`

Property Details

APN / Parcel Number

Primary APN	`15-3.2-07-004-007-013.01000`

Interior

Building Area	2,214 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	125 ft deep x 120 ft wide

Location & Zoning

Street Address	2811 GINGER DR
City	WEST PLAINS
State	MO
Zip	65775-1571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WAYHAVEN 4TH SUB NWSE1/4, SWSE1/4, PT SESE1/4
Legal Range	08W
Legal Township	24N
Legal Section	07
Legal Subdivision	WAYHAVEN SUB 4TH ADD 55
Legal Block	12
Legal Lot Number	15
Jurisdiction	HOWELL MO
Township / Civil Division	HOWELL
Census Block Group	1
Census Block	1013
Census Tract	90802

Owner

Source: Howell County records, as of September 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2811 GINGER DR, WEST PLAINS, MO 65775-1571
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEST PLAINS BANK & TRUST CO
Jun 14, 2019	Intrafamily Transfer, Transfer
May 1, 2017	Warranty Deed, Transfer · Conventional Mortgage WEST PLAINS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2025 · Amount on Record
Deed Sale	Jul 15, 2025 · Amount on Record
Prior Sale	May 1, 2017 · Amount on Record
Deed Document Number	20252735
Prior Transfer Date	Jun 13, 2019
Prior Transfer Doc	02019R2387
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWELL MO
Recording Date	Apr 7, 2026
Property Address	2811 GINGER DR, WEST PLAINS, MO 65775-1571
Document Number	0000001485
Instrument Date	Mar 30, 2026
Instrument	20261485
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001485,
Date	Apr 7, 2026
Instrument	20261485

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWELL MO
Property Address	2811 GINGER DR, WEST PLAINS, MO 65775-1571
Transaction Type	Mortgage
Record Updated	Sep 17, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R4093
Date	Aug 31, 2020
Instrument	2020R4093

Lender

Name	WEST PLAINS BANK & TRUST CO
Type	Bank
Address	WEST PLAINS, MO 65775

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWELL MO
Recording Date	Jun 14, 2019
Property Address	2811 GINGER DR, WEST PLAINS, MO 65775-1571
Document Number	2019R2387
Instrument Date	Jun 13, 2019
Instrument	2019R2387
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2811 GINGER DR, 2811, WEST PLAINS, MO 65775-1571

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWELL MO
Recording Date	May 1, 2017
Property Address	2811 GINGER DR, WEST PLAINS, MO 65775-1571
Document Number	2017R1680
Map Reference	MB G PG38-40
Instrument Date	Apr 28, 2017
Instrument	2017R1680
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 GINGER DR, WEST PLAINS, MO 65775-1571

Mortgage

Document Number	2017R1682
Date	May 1, 2017
Instrument	2017R1682

Lender

Name	WEST PLAINS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Howell County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Howell County
Municipality	West Plains City
Unified School District	West Plains R-VII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$31,980 (-) Land $2,530 Building $29,450	$168,330 (-) Land $13,310 Building $155,020
2025	$1,452.00 (+9.58%)	$31,980 (+11.97%) Land $2,530 Building $29,450	$168,330 (+12%) Land $13,310 Building $155,020
2024	$1,325.00
2023		$28,560	$150,290 Land $11,880 Building $138,410

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

Source: FEMA National Flood Hazard Layer, effective December 15, 2021 · 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 (2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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	WEST PLAINS PWS serves 12,864 people · EPA ID MO4010853
Water Source	Groundwater influenced by surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jun 2023 Treatment failure resolved · Mar 2021
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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Sparklight Cable	1,000 / 50

May also be available: Wisper ISP.

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