$99,900
109 Cottage Lane, Cape Fair, MO 65624
- Bedrooms
- 2
- Bathrooms
- 1
- Square feet
- 938
- Lot
- 1.5 ac
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- Built 1996
- Main-level primary
- Waterfront
- Shop / outbuilding
- No HOA
- Reeds Spring schools
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About this home
Big horizons, room to breathe, and lake days within super easy reach! This two-bedroom, one-bath Cape Fair retreat delivers panoramic lake and Ozark mountain scenery from an elevated setting above the pristine Table Rock's James River arm, with Flat Creek Bridge adding to the picturesque backdrop. Parcels combine for approximately 1.5 acre (survey to be recorded), offering elbow room and light restrictions.Enjoy the scenery from the deck, already wired for a future hot tub. A custom outbuilding provides workshop or storage space, while a fruit-bearing peach tree adds a little sweetness to the grounds. This property is waterfront with 184 +/- feet of frontage (subject to U.S. Army Corps of Engineers regulations). No dock zoning, but there are nearby third-party slip options, a marina, and multiple public boat ramps close by. yay!!!Hungry for catfish or want to wet your fishing line? Head approximately half a mile to Flat Creek Restaurant and boat ramp, about a 12-minute stroll or quick golf cart trip. Cape Fair Marina is also only roughly eight minutes away for dining, boat rentals, slip leases, camping and waterfront fun. When you're ready for shows, shopping, and additional attractions, Branson is approximately 40 minutes from home. Branson West Walmart in only 20 minutes. Reeds Springs Schools in 15 minutes. A scenic Stone County escape with space, convenience, and flexibility!
Facts and features
Interior
- Levels
- One
- Basement
- None
- Fireplace
- Yes
- Appliances
- Electric Water Heater
- Features
- W/D Hookup
Exterior and lot
- Parking
- Parking Pad, Parking Space
- Lot
- 1.5 acres
- Lot features
- Easements, Waterfront, Few Trees, Sloped, Mature Trees, Lake Front, Lake View, Dead End Street, Adjoins Government Land, Wooded, Water View
- Roof
- Composition
- Construction
- Vinyl Siding
- Patio / porch
- Deck, Rear Porch
Utilities
- Sewer
- Septic Tank
- Water
- Private Well
- Heating
- Space Heater
- Cooling
- Window Unit(s)
Cost and details
- Taxes
- $305/yr (2025)
- HOA / COA dues
- None
- Financing the seller will consider
- Cash, Conventional
- Year built
- 1996
- Type
- Single Family Residence
- Style
- Cabin, Cottage
- Subdivision
- Holiday Hills (Stone)
- County
- Stone
Good to know
-
Internet
- DSL up to 60 Mbps: Brightspeed
- Fixed wireless up to 400 Mbps: AT&T, T-Mobile, Table Rock Broadband, Total HighSpeed Internet Solutions and 1 more
No fiber or cable is mapped in this area. Starlink is a popular option in rural Missouri.
What providers report for this area. Ask them about this exact address.
-
USDA loan
Appears to be in a USDA-eligible area, so 0% down may be possible. Income limits apply.
-
Flood zone
Not in a FEMA high-risk flood zone (Zone X, minimal risk).
-
City limits
Outside city limits (unincorporated Stone County).
-
Water and sewer
Water: Private Well · Sewer: Septic Tank
-
Assigned schools
Reeds Spring schools
- Reeds Spring
- Reeds Spring
- Reeds Spring
Look up state report cards (Missouri DESE, opens in a new tab)
On the state site, pick the Reeds Spring district, then the school. Assignments can change, so confirm with the district.
Internet comes from the FCC National Broadband Map (data as of December 2025). Flood zone, USDA and city limits come from public FEMA, USDA and Census maps for this home’s map location; water, sewer and schools come from the MLS listing. Map lines can be off near a boundary, so confirm with your lender, a flood certificate or the city before you buy.
Estimated payment
—/mo
- Principal and interest
- —
- Property tax
- —
- Homeowners insurance (est.)
- —
- Mortgage insurance (PMI)
- —
Loan amount —. Rate: Freddie Mac weekly national average for this loan term, week of Oct 29, 2026. Tax: from the MLS listing. Insurance: estimated at 0.75% of the price per year. See loan programs in Springfield
Get exact numbers
Adam Swenka at Flat Branch Home Loans, a local lender we work with, can send you real numbers for this home: rate, monthly payment and cash to close.
Estimate only. Not a loan offer, rate quote or commitment to lend. This calculator is for general information and illustration. Your actual rate, payment, mortgage insurance, fees and loan eligibility depend on your credit, income, down payment, loan program and lender, and are determined only by a licensed mortgage lender. The rate shown is Freddie Mac's Primary Mortgage Market Survey national weekly average and may not be available to you. Property taxes are based on the current owner's assessment and may change after a sale; insurance is a rough estimate, and actual premiums vary by home, coverage and insurer. Albers Real Estate Group is a real estate brokerage, not a mortgage lender. Talk to a licensed lender for a personalized quote.
Location
Neighborhood
Holiday Hills (Stone)
How far is it?
- Downtown Springfield (Park Central Square) 34 mi
- Mercy Hospital Springfield 32 mi
- Cox Medical Center South 30 mi
- Missouri State University 34 mi
- Springfield-Branson National Airport 35 mi
Straight-line miles. Driving distance is longer.
Guides for this home
Financing
Quick answers
What school district is 109 Cottage Lane in?
109 Cottage Lane is in the Reeds Spring school district, according to the MLS listing. The assigned high school is Reeds Spring.
Is it on city sewer?
No, it has a septic system. The MLS lists the sewer as: Septic Tank.
Is there an HOA?
No. The listing shows no homeowners association.
What kind of loan can I use on this home?
The seller will consider Cash and Conventional offers, according to the MLS listing. Whether a specific loan works also depends on your lender and the appraisal.
How long has it been on the market?
It has been listed for 1 day.
Is 109 Cottage Lane in a flood zone?
No. FEMA's flood map shows this home's map location outside high-risk flood zones (Zone X, minimal risk).
What internet is available at 109 Cottage Lane?
The FCC National Broadband Map shows these for the area: DSL up to 60 Mbps: Brightspeed; Fixed wireless up to 400 Mbps: AT&T, T-Mobile, Table Rock Broadband, Total HighSpeed Internet Solutions and 1 more. No fiber or cable is mapped in this area. Starlink is a popular option in rural Missouri. Check with providers for this exact address.
Is 109 Cottage Lane eligible for a USDA loan?
It appears to be in a USDA-eligible area on USDA's eligibility map, so a 0%-down USDA loan may be possible. Income limits apply, and the lender makes the final call.
Is it inside city limits?
No. The MLS lists 109 Cottage Lane as outside city limits.
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Listing data last updated November 3, 2026 at 2:46 pm CST. Source: Southern Missouri Regional MLS (SOMO). MLS #60337565.
The data relating to real estate for sale on this web page comes in part from the Internet Data Exchange (IDX) of the Southern Missouri Regional MLS. Real estate listings held by brokerage firms other than Albers Real Estate Group are marked with the IDX logo and detailed information about them includes the name of the listing brokers. The information being provided is for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information being provided is not guaranteed, and all information should be verified by the consumer. Any representation that a web site contains all listings shall only mean that the web site contains all listings available to the public through the IDX data feed. There may be other properties offered through a REALTOR® that have not been displayed on this site. © 2026 Southern Missouri Regional MLS. All rights reserved.