McDonald County property record for 99 Whispering Cedar Ln, Stella, MO 64867
| Property Type | Single Family Home |
|---|---|
| Details | 950 sqft · built 1999 |
| Lot Size | 9.9 acres (431,244 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $112,500 (May 2021) |
| Tax Bill | $395 (2025) |
| Deeds & Mortgages | May 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-5.0-15-000-000-022.011 |
| Primary APN | 10-5.0-15-000-000-022.011 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 950 sqft Adjusted Area |
| 1st Floor Area | 864 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 431,244 sqft (9.9 acres) |
| Street Address | 99 WHISPERING CEDAR LN |
|---|---|
| City | STELLA |
| State | MO |
| Zip | 64867 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 10, 11 & 12 BLK 1 WHISPERING CEDAR RANCH ALSO A PART OF THE SW1/4 NE1/4 & A PART OF NW1/4 SE1/4 BEG AT SW COR ETC |
| Legal Range | 31W |
| Legal Township | 22N |
| Legal Section | 15 |
| Legal Subdivision | WHISPERING CEDAR RANCH |
| Legal Block | 1 |
| Legal Lot Number | 10-12 |
| Jurisdiction | MCDONALD MO |
| Township / Civil Division | CENTER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 70101 |
99 Whispering Cedar Ln is owned by two individuals who bought it in May 2021.
Source: McDonald County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2208 ROUTE U, EXETER, MO 65647-9165 |
| 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.
| Date | Document |
|---|---|
| May 12, 2021 | Deed, Transfer · Stand-Alone First Mortgage BILL THURMAN REVOCABLE TRUST |
| May 23, 2019 | Deed, Transfer · Stand-Alone First Mortgage D R COOPER AND E J COOPER REVOCABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2021 · Amount on File |
| Deed Sale | May 12, 2021 · Amount on File |
| Prior Sale | May 23, 2019 · Amount on File |
| Deed Book / Page | 2021 / 1427 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCDONALD MO |
| Recording Date | May 12, 2021 |
| Property Address | 99 WHISPERING CEDAR LN, STELLA, MO 64867 |
| Document Number | 02021/1427 |
| Book / Page | 2021 / 1427 |
| Instrument Date | May 4, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2208 ROUTE U, EXETER, MO 65647-9165 |
| Document Number | 0020211428 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 2021/1428 |
| Name | BILL THURMAN REVOCABLE TRUST |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCDONALD MO |
| Recording Date | May 23, 2019 |
| Property Address | 99 WHISPERING CEDAR LN, STELLA, MO 64867 |
| Document Number | 02019/1107 |
| Book / Page | 2019 / 1107 |
| Instrument Date | May 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2208 ROUTE U, EXETER, MO 65647-9165 |
| Document Number | 0020191108 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 2019/1108 |
| Name | D R COOPER AND E J COOPER REVOCABLE |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 99 Whispering Cedar Ln was $395.
Source: McDonald County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | McDonald County |
| Unified School District | McDonald County R-I School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,270 (-) | $48,984 (-) Land $8,264 Building $40,720 | |
| 2025 | $395.00 | $9,270 | $48,984 Land $8,264 Building $40,720 |
| 2023 | $365.00 | $8,590 | $45,364 Land $7,904 Building $37,460 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 99 Whispering Cedar Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Nearby Flood Policies | 2 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 risk around 99 Whispering Cedar Ln is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 88% of Missouri |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Le-Ru Telephone Company DSL | 50 / 3 |
4G LTE (outdoors only), no 5G reported
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