Clinton County property record for 102 Cummings Dr, Gower, MO 64454
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,352 sqft · built 1977 |
| Lot Size | 0.987 acres (42,994 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,507 (Apr 2019) |
| Tax Bill | $3,274 (2025) |
| Deeds & Mortgages | Aug 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05 08.0 34 003 006 022.000 |
| Primary APN | 05 08.0 34 003 006 022.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 108 Units |
| Building Area | 1,352 sqft Living Area |
| Basement Area | 1,352 sqft |
| Finished Basement | 728 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Wood |
| Lot Area | 42,994 sqft (0.987 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 102 CUMMINGS DR |
|---|---|
| City | GOWER |
| State | MO |
| Zip | 64454-9356 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 CUMMINGS 4TH ADD |
| Legal Range | 33W |
| Legal Township | 56N |
| Legal Section | 34 |
| Legal Subdivision | CUMMINGS 4TH ADD |
| Legal Lot Number | 12 |
| Jurisdiction | CLINTON MO |
| Township / Civil Division | ATCHISON |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 960400 |
102 Cummings Dr is owned and occupied by two individuals who bought it in April 2019.
Source: Clinton County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 CUMMINGS DR, GOWER, MO 64454-9356 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2019 · Amount on File |
| Deed Sale | Apr 15, 2019 · Amount on File |
| Prior Sale | Aug 1, 2011 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON MO |
| Property Address | 102 CUMMINGS DR, GOWER, MO 64454-9356 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 102 CUMMINGS DR, GOWER, MO 64454-9356 |
| Document Number | 0202502208 |
|---|---|
| Date | Aug 18, 2025 |
| Instrument | 202502208 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2045 |
The 2025 property tax bill for 102 Cummings Dr was $3,274.
Source: Clinton County assessment roll, as of February 12, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clinton County |
| Municipality | Gower City |
| Unified School District | East Buchanan County C-1 School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,274.00 | $40,504 (+12%) Land $8,755 Building $31,749 | $213,180 Land $46,080 Building $167,100 |
| 2024 | $3,274.00 (+11.47%) | $36,164 (-) Land $7,817 Building $28,347 | |
| 2023 | $2,937.00 (+18.19%) | $36,164 (+7.67%) Land $7,817 Building $28,347 | $190,333 Land $41,140 Building $149,193 |
| 2022 | $2,485.00 | $33,587 Land $7,817 Building $25,770 | |
| 2021 | $176,770 Land $41,140 Building $135,630 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 102 Cummings Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective April 4, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1984) |
| Most Recent Claim | Jun 1984 · Severe Storms & Flooding |
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 102 Cummings Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GOWER PWS serves 1,360 people · EPA ID MO1010318 |
|---|---|
| Water Source | Purchased groundwater from DEKALB COUNTY PWSD 1 |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| United Fiber Fiber | 1,000 / 1,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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