409 N Oak St, Stover, MO 65078 Property Records

Morgan County property record for 409 N Oak St, Stover, MO 65078

Property Summary

Property Type	Single Family Home
Details	1,214 sqft · built 1950
Owner	Individual Name on Record
Tax Bill	$265 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-7.0-35-300-004-009.000`

Property Details

APN / Parcel Number

Primary APN	`09-7.0-35-300-004-009.000`

Interior

Stories	1 Story
Building Area	1,214 sqft Adjusted Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Utility Building	120 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	409 N OAK ST
City	STOVER
State	MO
Zip	65078-0841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 87 1/2' LOT 35 HUGHES ADD TO STOVER 87 1/2' X 210'
Legal Subdivision	HUGHES ADD
Legal Lot Number	35
Jurisdiction	MORGAN MO
Township / Civil Division	HAW CREEK
Census Block Group	3
Census Block	3025
Census Tract	470200

Owner

Source: Morgan County records, as of November 17, 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	409 N OAK ST, STOVER, MO 65078-0841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 1, 2021	Warranty Deed, Transfer · FHA Mortgage COMMUNITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022
Deed Sale	Nov 4, 2022
Prior Sale	Sep 1, 2021
Deed Document Number	202206152
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN MO
Recording Date	Nov 4, 2022
Property Address	409 N OAK ST, STOVER, MO 65078-0841
Document Number	0202206152
Map Reference	MB 1835 PG 35
Instrument Date	Nov 3, 2022
Instrument	202206152
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	INTEGRITY TITLE SOLUTIONS LLC, INTEGRITY TITLE SLN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 N OAK ST, STOVER, MO 65078-0841

Mortgage

Document Number	0202206153
Date	Nov 4, 2022
Instrument	202206153

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN MO
Recording Date	Sep 1, 2021
Property Address	409 N OAK ST, STOVER, MO 65078-0841
Document Number	202105635
Map Reference	MB 1835 PG 35
Instrument Date	Aug 30, 2021
Instrument	202105635
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	INTEGRITY TITLE SOLUTIONS LLC, INTEGRITY TITLE SLN LLC CAM

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 705, STOVER, MO 65078-0705

Mortgage

Document Number	202105636
Date	Sep 1, 2021
Instrument	202105636

Lender

Name	COMMUNITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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

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
2025	$265.00 (+8.16%)	$5,420 (+11.07%)
2024			$28,500 (+10.89%) Land $5,700 Building $22,800
2023	$245.00	$4,880
2022	$245.00 (+36.11%)		$25,700 Land $5,100 Building $20,600
2011	$180.00

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 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.

Nearby Properties on N Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures