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Updated 2025 Tax Year

Stone County
Property Tax Guide

Everything you need to know about property taxes in Stone County, MO. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.0886% county base rate, total varies by district (typically 1.5-2.5% with school/special districts)
1st Due
Dec 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Stone County, Missouri operates under the state's property tax system to fund essential local services including schools, law enforcement, fire protection, road maintenance, and county operations. Property taxes are calculated based on assessed values determined by the county assessor and applied tax rates set by various local taxing jurisdictions. The effective tax rate in Stone County varies significantly by location within the county due to different combinations of special taxing districts including school districts, fire districts, ambulance districts, and municipal levies.

For the 2025 levy year, the base county tax rate is 0.0886%, but your actual total tax rate will be higher when combined with school district taxes and any applicable special district assessments in your area. Property owners should expect total effective rates typically ranging from approximately 0.8% to 1.2% of assessed value, depending on their specific location and the taxing districts that serve their property. The assessed value in Missouri is set at 19% of true value (fair market value) for residential property.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Stone County General Revenue0.0886%Basic county operations and services
School DistrictVariesLocal school district levy (varies by district)
Road & BridgeVariesCounty road maintenance and improvements
Fire DistrictVariesFire protection services (if applicable)
Ambulance DistrictVariesEmergency medical services (if applicable)
Municipal TaxesVariesCity taxes (for incorporated areas only)

Rates shown are for the 2025 levy year and vary significantly by location within Stone County based on which special taxing districts serve your property. School district rates typically represent the largest component of your total property tax bill. Contact the Stone County Assessor's office at (417) 357-6127 for your specific combined rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Stone County, property taxes are due in two installments:

First Installment
Dec 31
Delinquent after Dec 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Stone County are additional property tax assessments that occur when there are changes to property ownership, new construction, or improvements completed after the annual assessment date (January 1st). These supplemental bills are prorated based on the remaining months in the tax year and calculated using the same tax rates applied to your regular assessment.

Common triggers for supplemental taxes include: purchasing a newly constructed home, completing major renovations or additions, subdividing property, or correcting assessment errors discovered after the regular tax bills were issued. For example, if you complete a $50,000 home addition in June, you would receive a supplemental tax bill covering July through December for the increased assessed value of that improvement, calculated at 19% of the improvement value multiplied by your area's combined tax rate.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (19%): $57,000
  • Annual Tax (estimated 1.0% effective rate): $570
  • Monthly Escrow: $47.50

Example 2: $600,000 Home with Senior Credit

  • Market Value: $600,000
  • Assessed Value (19%): $114,000
  • Less: Senior Tax Credit (if qualified): -$1,000
  • Net Tax After Credits: $1,140 - $1,000 = $140
  • Monthly Escrow: $95.00 Senior Tax Credit requires annual application and income qualification

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (19%): $190,000
  • Annual Tax (estimated 1.0% effective rate): $1,900
  • Monthly Escrow: $158.33

All credits require separate applications and qualification. Contact Stone County Assessor for current credit amounts and eligibility requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Stone County require property tax escrow accounts for borrowers with less than 20% equity. Your lender collects monthly payments equal to your annual property tax divided by 12, plus a small cushion typically not exceeding two months of payments. Lenders pay your property taxes directly to Stone County when due, usually in late December for the following tax year.

Property owners are responsible for ensuring their lender has current tax information, especially after assessment changes or successful appeals. If your assessment increases significantly, your lender may require a one-time escrow shortage payment or increase your monthly payment to cover the higher taxes. You can verify your current tax amount and payment status through the Stone County Collector's office online portal or by calling (417) 357-6114. Always review your annual escrow analysis statement from your lender to ensure accuracy.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are Stone County property taxes due for the current fiscal year? A: Property taxes are typically due by December 31st annually, with a grace period extending to the Friday before the tax sale in February (February 12, 2026 for the current cycle).

Q: What tax credits are available and how do I apply? A: Stone County offers senior citizen tax credits for residents 65+ with household income under $70,000, and disability tax credits for those receiving Social Security disability income. Both require annual application with the County Assessor by October 15th and are NOT automatic.

Q: How does the Homestead Credit work? A: Missouri's senior tax credit can defer assessment increases beyond the previous year's tax amount for qualified applicants. This caps your tax growth rather than reducing market value. You must apply between January 1st and October 15th of the first year claiming deferral.

Q: How often are properties reassessed in Stone County? A: Missouri law requires reassessment at least every two years. Stone County typically conducts ongoing assessments with full county reappraisals on a rotating cycle. You'll receive notice if your assessment changes significantly.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Stone County Board of Equalization by the second Monday in June. Contact the Assessor's office at (417) 357-6127 for appeal forms and procedures.

Q: What are the penalties for late property tax payments? A: Late payments incur interest and penalties. Properties with delinquent taxes are subject to tax sale, typically held in February following the tax year.

Q: Can I pay my property taxes online? A: Yes, Stone County offers online payment options through their official website at stonecountymo.gov. Contact the Collector's office at (417) 357-6114 for payment methods and fees.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary within Stone County based on special taxing districts like school districts, fire districts, and ambulance districts that serve your specific location. Two properties may have different combinations of these districts.

Q: Are property tax credits automatic? A: No, all property tax credits in Stone County require separate applications and annual renewal. Contact the Assessor's office for current application forms and deadlines.

Q: What happens if I disagree with a supplemental tax bill? A: You can appeal supplemental assessments using the same process as regular assessments. Contact the Assessor's office within 30 days of receiving the supplemental bill to discuss your options.

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