418 Gardner St, Noel, MO 64854 Property Records

McDonald County property record for 418 Gardner St, Noel, MO 64854

Property Summary

Property Type	Single Family Home
Details	1,162 sqft · built 2009
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$116,000 (May 2008)
Tax Bill	$662 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-5.0-22-004-003-002.015`

Property Details

APN / Parcel Number

Primary APN	`17-5.0-22-004-003-002.015`

Interior

Stories	1 Story
Building Area	1,162 sqft Adjusted Area
1st Floor Area	1,142 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	Gable
Roof Material	Shingle
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	418 GARDNER ST
City	NOEL
State	MO
Zip	64854-7335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 RIVERSIDE ADDITION
Legal Range	33W
Legal Township	21N
Legal Section	22
Legal Subdivision	RIVERSIDE ADDITION
Legal Lot Number	11
Jurisdiction	MCDONALD MO
Township / Civil Division	ELK RIVER WEST
Census Block Group	3
Census Block	3074
Census Tract	70300

Owner

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

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
Mailing Address	PO BOX 851, NOEL, MO 64854-0851
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2008 · Amount on Record
Deed Sale	May 16, 2008 · Amount on Record
Deed Book / Page	206 / 575
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDONALD MO
Property Address	418 GARDNER ST, NOEL, MO 64854
Transaction Type	Mortgage
Record Updated	Feb 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1643
Date	May 23, 2022
Book Page	2022/1643
Instrument	2022-00001732

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

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		$16,650 (-)	$87,640 (-) Land $8,450 Building $79,190
2025	$662.00 (+5.25%)	$16,650 (+4.91%)	$87,640 (+4.92%) Land $8,450 Building $79,190
2023	$629.00	$15,870	$83,530 Land $8,050 Building $75,480

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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