414 Gardner St, Noel, MO 64854 Property Records

McDonald County property record for 414 Gardner St, Noel, MO 64854

Property Summary

Property Type	Single Family Home
Details	1,149 sqft · built 2009
Lot Size	3.91 acres (170,320 sqft)
Owner	2 Individual Names on File
Last Sale	$207,266 (Sep 2024)
Tax Bill	$688 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`17-5.0-22-004-003-002.014`

Property Details

APN / Parcel Number

Primary APN	`17-5.0-22-004-003-002.014`

Interior

Stories	1 Story
Building Area	1,149 sqft Adjusted Area
1st Floor Area	1,146 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick
Foundation Type	Block
Roof Type	Hip
Roof Material	Shingle
Lot Area	170,320 sqft (3.91 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	414 GARDNER ST
City	NOEL
State	MO
Zip	64854-7335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9, 18, 19, 20 RIVERSIDE ADDITION
Legal Range	33W
Legal Township	21N
Legal Section	22
Legal Subdivision	RIVERSIDE ADDITION
Legal Lot Number	9,18-20
Jurisdiction	MCDONALD MO
Township / Civil Division	ELK RIVER WEST
Census Block Group	3
Census Block	3074
Census Tract	70300

Owner

414 Gardner St is owned and occupied by two individuals who bought it in September 2024.

Source: McDonald County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	414 GARDNER ST, NOEL, MO 64854-7335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2024 · Amount on File
Deed Sale	Sep 16, 2024 · Amount on File
Prior Sale	Nov 17, 2020 · Amount on File
Deed Document Number	20242557
Deed Book / Page	2024 / 2363
Prior Transfer Date	Mar 22, 2010
Prior Transfer Doc	00208/0280
Record Updated	Oct 29, 2026

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDONALD MO
Recording Date	Nov 17, 2020
Property Address	414 GARDNER ST, NOEL, MO 64854-7335
Document Number	02020/3134
Book / Page	2020 / 3134
Map Reference	MB H PG 317
Instrument Date	Oct 26, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	E-PLACER TITLE, PLACER TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 GARDNER ST, NOEL, MO 64854-7335

Mortgage

Document Number	0020203135
Date	Nov 17, 2020
Instrument	2020/3135

Lender

Name	LOANDPAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 414 Gardner St was $688, down 3.6% from the year before.

Source: McDonald County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$17,290 (-)	$91,020 (-) Land $11,410 Building $79,610
2025	$688.00 (-3.64%)	$17,290	$91,020 Land $11,410 Building $79,610
2024	$714.00 (+0.14%)
2023	$713.00	$18,010	$94,780 Land $10,870 Building $83,910

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 414 Gardner St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 15, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	280 (1995–2025)
Claims Outside the SFHA	18 of 280
Most Recent Claim	Apr 2025 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 87 claims Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 32 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 33 claims

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 414 Gardner St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · above 95% of Missouri
Wildfire Likelihood	0.2% 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	LIBERTY WATER NOEL private · serves 1,832 people · EPA ID MO5010577
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Rally Networks DSL	10 / 1