31189 Beal Rd, Stover, MO 65078 Property Records

Morgan County property record for 31189 Beal Rd, Stover, MO 65078

Property Summary

Property Type	Single Family Home
Details	660 sqft · built 1989
Lot Size	0.53 acres (23,074 sqft)
Owner	2 Individual Names on File
Last Sale	$535,990 (Apr 2025)
Tax Bill	$1,836 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-4.0-18-000-000-006.062`

Property Details

APN / Parcel Number

Primary APN	`19-4.0-18-000-000-006.062`

Interior

Building Area	660 sqft Living Area
1st Floor Area	660 sqft
Flooring	Carpet

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Roof Type	Hip
Roof Material	Asphalt
Lot Area	23,074 sqft (0.53 acres)
Lot Dimensions	144 ft deep x 160 ft wide
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Deck Area	1 sqft
Utility Building	96 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	31189 BEAL RD
City	STOVER
State	MO
Zip	65078-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRT SW NE NE
Legal Range	18
Legal Township	40
Legal Section	18
Legal Block	2
Jurisdiction	MORGAN MO
Township / Civil Division	BUFFALO
Census Block Group	1
Census Block	1016
Census Tract	470502

Owner

31189 Beal Rd is owned and occupied by two individuals who bought it in April 2025.

Source: Morgan County records, as of July 30, 2025

Owner of Record	2 Individual Names on File
Mailing Address	31189 BEAL RD, STOVER, MO 65078-2212
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
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF LAKE OF THE OZARKS
Jun 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Apr 16, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2025 · Amount on File
Deed Sale	Apr 16, 2025 · Amount on File
Deed Document Number	20251542
Prior Transfer Date	Apr 9, 2025
Prior Transfer Doc	0202501543
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Property Address	31189 BEAL RD, STOVER, MO 65078-2212
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31189 BEAL RD, STOVER, MO 65078-2212

Mortgage

Document Number	0202100432
Date	Jan 22, 2021
Instrument	202100432

Lender

Name	CENTRAL BANK OF LAKE OF THE OZARKS
Type	Bank
Address	OSAGE BEACH, MO 65065

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Property Address	31189 BEAL RD, STOVER, MO 65078-2212
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	INTEGRITY TITLE SOLUTIONS LLC, INTEGRITY TITLE SLN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31189 BEAT RD, STOVER, MO 65078-2212

Mortgage

Document Number	0202203379
Date	Jun 14, 2022
Instrument	202203379

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Margin	3
Max Rate	7.12%

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MORGAN MO
Recording Date	Apr 16, 2025
Property Address	31189 BEAL RD, STOVER, MO 65078-2212
Document Number	0202501542
Instrument Date	Apr 9, 2025
Instrument	202501542
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	SUNRISE ABSTRACTING & TITLE SVCS, SUNRISE ABSTRACTING & TTL SV

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31189 BEAL RD, STOVER, MO 65078-2212

Mortgage

Document Number	0202501543
Date	Apr 16, 2025
Instrument	202501543

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Margin	3
Max Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 31189 Beal Rd was $1,836, up 10.4% from the year before.

Source: Morgan County assessment roll, as of July 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,836.00 (+10.4%)	$39,880 Land $15,105 Building $24,775	$209,900 (-) Land $79,500 Building $130,400
2024	$1,663.00 (-1.13%)		$209,900 Land $79,500 Building $130,400
2023	$1,682.00 (+0.42%)	$33,860
2022	$1,675.00		$178,200 Land $63,400 Building $114,800
2011	$1,284.00

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

Flood

FEMA maps place 31189 Beal Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 16, 2020 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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 31189 Beal Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 55% of Missouri
Wildfire Likelihood	0.09% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Co-Mo Connect Fiber	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100

Cell Coverage

4G LTE (outdoors only), no 5G reported

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