Born on September 11, 1998, in the United States, Stella Ritter is the daughter of acclaimed actors John Ritter and Amy Yasbeck. Raised primarily in the U.S., Stella grew up in a family deeply rooted in the entertainment industry. She has three half-siblings: Jason Ritter, Carly Ritter, and Tyler Ritter—all of whom have some involvement in the arts. Her paternal grandparents were country music singer Tex Ritter and actress Dorothy Fay. Her uncle, Tom Ritter, is also part of the extended family network. Stella is an American citizen and is of white ethnicity.
Stella developed an interest in acting at a young age, influenced by her parents' successful careers in film and television. Though details regarding her early schooling and higher education are not publicly available, it is known that she demonstrated a creative streak throughout her childhood. Stella made her acting debut in 2007 with the short film This Is My Friend. She went on to appear in The Namazu in 2012, and later played a role in Hannah Lost Her Smile. Her last known screen appearance was in 2013. Despite her brief acting career, she attracted attention for her natural talent and screen presence.