313 Elm St, Stover, MO 65078 Property Records

Morgan County property record for 313 Elm St, Stover, MO 65078

Property Summary

Property Type	Commercial
Details	3,000 sqft · built 2019
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,184 (2025)
Deeds & Mortgages	Jun 2026 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`09-7.0-35-400-009-001.000`

Property Details

APN / Parcel Number

Primary APN	`09-7.0-35-400-009-001.000`

Interior

Building Area	3,000 sqft Gross Area
1st Floor Area	3,000 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Metal
Roof Type	Gable
Roof Material	Metal
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	144 ft deep x 75 ft wide
Utility Building	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gravity Furnace

Location & Zoning

Street Address	313 ELM ST
City	STOVER
State	MO
Zip	65078-0932
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PRT LOTS 16-19 (EX W 40); BLK 6; HUGHES HEIGHTS; 75 X 104
Legal Range	19
Legal Township	43
Legal Section	35
Legal Subdivision	HUGHES HEIGHTS
Legal Block	6
Legal Lot Number	16-19
Jurisdiction	MORGAN MO
Township / Civil Division	HAW CREEK
Census Block Group	3
Census Block	3049
Census Tract	470200

Owner

Source: Morgan County assessment roll, 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 Individual Names on File
Mailing Address	202 E 4TH ST, STOVER, MO 65078-0930
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 1, 2017
Deed Sale	Aug 1, 2017
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN MO
Recording Date	Jun 24, 2026
Property Address	313 ELM ST, STOVER, MO 65078-0932
Document Number	0000003122
Instrument Date	Jun 24, 2026
Instrument	20263122
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	HUBBARD-KAVANAUGH TITLE COMPANY, HUBBARD-KAVANAUGH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 ELM ST, STOVER, MO 65078-0932

Mortgage

Document Number	0000003122,
Date	Jun 24, 2026
Instrument	20263122

Lender

Name	CITIZENS-FARMERS BANK/COLE CAMP

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	6.53%
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		$23,460 (-) Land $1,472 Building $21,988	$73,300 (-) Land $4,600 Building $68,700
2025	$1,184.00 (+7.93%)	$23,460 (+10.92%) Land $1,472 Building $21,988	$73,300 (-) Land $4,600 Building $68,700
2024			$73,300 (+10.89%) Land $4,600 Building $68,700
2023	$1,097.00	$21,150
2022	$1,097.00 (+197.29%)		$66,100 Land $4,000 Building $62,100
2011	$369.00

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 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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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)
Uniti Group Fiber · DSL in parts of the area	2,000 / 2,000
Co-Mo Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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