M. Fred Bell Speculative Cottage is a historic home located at Fulton, Callaway County, Missouri.

It was designed by Fulton architect Morris Frederick Bell and built in 1893, with additions by Bell built in 1907.

It is a one-story, Queen Anne frame cottage with a Bungalow style front porch and rear addition.

[2]: 5 The house was listed on the National Register of Historic Places in 1995.

This article about a property in Callaway County, Missouri on the National Register of Historic Places is a stub.