309 N Oak St, Stover, MO 65078 Property Records

Morgan County property record for 309 N Oak St, Stover, MO 65078

Property Summary

Property Type	Restaurant
Details	2,220 sqft · built 2021
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Company Names on Record
Last Sale	$351,120 (May 2026)
Tax Bill	$2,184 (2025)
Deeds & Mortgages	Dec 2020 Construction Loan Sep 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-7.0-35-300-008-001.000`

Property Details

APN / Parcel Number

Primary APN	`09-7.0-35-300-008-001.000`

Interior

Stories	1 Story
Building Area	2,220 sqft Gross Area
1st Floor Area	2,220 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Combination
Roof Type	Gable
Roof Material	Metal
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 N OAK ST
City	STOVER
State	MO
Zip	65078-0892
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	LOTS 21,23,25 & 27 BLK 13 ORIG TOWN OF STOVER
Legal Range	19
Legal Township	43
Legal Section	35
Legal Subdivision	ORIG TOWN OF STOVER
Legal Block	13
Legal Lot Number	21,23
Jurisdiction	MORGAN MO
Township / Civil Division	HAW CREEK
Census Block Group	3
Census Block	3030
Census Tract	470200

Owner

Source: Morgan County records, as of August 5, 2026

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
Mailing Address	PO BOX 705, STOVER, MO 65078-0705
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK OF ELDON
Sep 17, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF ELDON
Aug 7, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF ELDON
Jun 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 7, 2026	Warranty Deed, Transfer · Reverse Mortgage CITIZENS BANK OF LOGAN
May 7, 2026	Warranty Deed, Transfer · Reverse Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Deed Document Number	20262189
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Property Address	309 N OAK ST, STOVER, MO 65078-0892
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 133, STOVER, MO 65078-0133

Mortgage

Document Number	0202007064
Date	Dec 4, 2020
Instrument	202007064

Lender

Name	CITIZENS BANK OF ELDON
Type	Bank
Address	ELDON, MO 65026

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Dec 3, 2046

Interest

Rate	4.75%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Property Address	309 N OAK ST, STOVER, MO 65078-0892
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N OAK ST, STOVER, MO 65078-0892

Mortgage

Document Number	0202504402
Date	Sep 17, 2025
Instrument	202504402

Lender

Name	CITIZENS BANK OF ELDON
Type	Bank
Address	ELDON, MO 65026

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2045

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Property Address	309 N OAK ST, STOVER, MO 65078-0892
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	HUBBARD-KAVANAUGH TITLE COMPANY, HUBBARD KAVANAUGH TTL GUARAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N OAK ST, STOVER, MO 65078-0892

Mortgage

Document Number	0202503615
Date	Aug 7, 2025
Instrument	202503615

Lender

Name	CITIZENS BANK OF ELDON
Type	Bank
Address	ELDON, MO 65026

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 6, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN MO
Recording Date	Jun 22, 2026
Property Address	309 N OAK ST, STOVER, MO 65078-0892
Document Number	0000003082
Instrument Date	Jun 22, 2026
Instrument	20263082
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN MO
Recording Date	May 7, 2026
Property Address	309 N OAK ST, STOVER, MO 65078-0892
Document Number	0000002189
Instrument Date	May 7, 2026
Instrument	2026.2189
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	TRUE LINE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000002190,
Date	May 7, 2026
Instrument	2026..2190

Lender

Name	CITIZENS BANK OF LOGAN

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 7, 2046

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN MO
Recording Date	May 7, 2026
Property Address	309 N OAK ST, STOVER, MO 65078-0892
Document Number	0202602189
Instrument Date	May 7, 2026
Instrument	20262189
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	TRUE LINE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000002190,
Date	May 7, 2026
Instrument	20262190

Lender

Name	CITIZENS BANK

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 7, 2046

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Morgan County
Municipality	Stover City
Unified School District	Morgan County R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,260 (-) Land $1,568 Building $41,692	$135,200 (-) Land $4,900 Building $130,300
2025	$2,184.00 (+9.91%)	$43,260 (+12.83%) Land $1,568 Building $41,692	$135,200 (-) Land $4,900 Building $130,300
2024			$135,200 (+11.46%) Land $4,900 Building $130,300
2023	$1,987.00 (-0.05%)	$38,340
2022	$1,988.00 (+1,142.5%)		$121,300 Land $3,600 Building $117,700
2011	$160.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 16, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	STOVER PWS serves 1,094 people · EPA ID MO3010767
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 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	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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Co-Mo Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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