103 W McDowell St, Sturgeon, MO 65284 Property Records

Boone County property record for 103 W McDowell St, Sturgeon, MO 65284

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,250 sqft · built 2020
Lot Size	0.342 acres (14,915 sqft)
Owner	Company Name on Record
Tax Bill	$3,728 (2025)
Deeds & Mortgages	Aug 2021 Sale Jun 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`03-112-00-01-175-00`

Property Details

APN / Parcel Number

Primary APN	`03-112-00-01-175-00`
Alternative APN	`03-112-00-01-175.00 01`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,250 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Wood
Lot Area	14,915 sqft (0.342 acres)
Lot Dimensions	120 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	103 W MCDOWELL ST
City	STURGEON
State	MO
Zip	65284-5539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STURGEON OT BLK 44 LOTS 1,2,3 SUR 5071-81
Legal Range	12W
Legal Township	51N
Legal Section	05
Legal Subdivision	STURGEON O T
Legal Block	44
Jurisdiction	BOONE MO
Township / Civil Division	BOURBON
Census Block Group	1
Census Block	1057
Census Tract	1904

Owner

Source: Boone County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 55, STURGEON, MO 65284-0055
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Beneficiary Deed, Transfer
Jun 25, 2021	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 7, 2020	Deed of Trust, Construction Loan · Line of Credit CENTRAL BK/BOONE CNTY
Jul 6, 2020	Deed of Trust, Construction Loan · Construction Mortgage CENTRAL BK
Apr 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 8, 2019	Warranty Deed, Transfer NOT AVAILABLE
Dec 4, 2018	Warranty Deed, Transfer · Line of Credit CENTRAL BK/BOONE CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2025
Deed Sale	May 20, 2025
Prior Sale	Jun 25, 2021 · Amount on Record
Deed Document Number	20258353
Deed Book / Page	6000 / 50
Prior Transfer Date	Aug 3, 2021
Prior Transfer Doc	0000022641
Record Updated	Oct 29, 2026

August 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	BOONE MO
Recording Date	Aug 3, 2021
Property Address	103 W MCDOWELL ST, STURGEON, MO 65284
Document Number	0000022641
Book / Page	5479 / 50
Instrument Date	Aug 3, 2021
Instrument	2021022641
Transaction Type	Transfer
Record Updated	Feb 2, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BOONE MO
Recording Date	Jun 25, 2021
Property Address	103 W MCDOWELL ST, STURGEON, MO 65284
Document Number	0000018631
Book / Page	5454 / 112
Instrument Date	Jun 25, 2021
Instrument	2021018631
Transaction Type	Transfer
Record Updated	Feb 2, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WEST MCDOWELL STREET, CENTRALIA, MO 65240

Mortgage

Document Number	0000018632
Date	Jun 25, 2021
Instrument	2021018632

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Recording Date	Dec 7, 2020
Property Address	103 W MCDOWELL ST, STURGEON, MO 65284
Document Number	0000031507
Book / Page	005324 / 000020
Instrument Date	Nov 25, 2020
Instrument	31507
Transaction Type	Construction Loan
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	22250 N ROUTE V STURGEON MO 65284, STURGEON, MO 65284

Mortgage

Document Number	0000031507
Date	Dec 7, 2020
Book Page	005324/000020
Instrument	31507

Lender

Name	CENTRAL BK/BOONE CNTY
Address	HALLSVILLE, MO 65255

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Recording Date	Jul 6, 2020
Property Address	103 W MCDOWELL ST, STURGEON, MO 65284
Document Number	0000014940
Book / Page	005219 / 000031
Instrument Date	Jun 25, 2020
Instrument	14940
Transaction Type	Construction Loan
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	22250 N ROUTE V STURGEON MO 65284, STURGEON, MO 65284

Mortgage

Document Number	0000014940
Date	Jul 6, 2020
Book Page	005219/000031
Instrument	14940

Lender

Name	CENTRAL BK
Type	Bank
Address	HALLSVILLE, MO 65255

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOONE MO
Recording Date	Apr 1, 2020
Property Address	103 W MCDOWELL ST, STURGEON, MO 65284
Document Number	0000006098
Book / Page	005160 / 000109
Instrument Date	Mar 30, 2020
Instrument	6098
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 91 STURGEON MO 652840091, STURGEON, MO 65284-0091

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Oct 8, 2019
Property Address	103 W MCDOWELL ST, STURGEON, MO 65284
Document Number	0000019516
Book / Page	005089 / 000186
Instrument Date	Oct 7, 2019
Instrument	19516
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 91 STURGEON MO 652840091, STURGEON, MO 65284-0091

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Dec 4, 2018
Property Address	103 W MCDOWELL ST, STURGEON, MO 65284
Document Number	0000022800
Book / Page	004969 / 000075
Instrument Date	Dec 3, 2018
Instrument	22800
Transaction Type	Transfer
Record Updated	Dec 12, 2018

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	109 W HIGHWAY 22 CENTRALIA MO 652401051, CENTRALIA, MO 65240-1051

Mortgage

Document Number	22801
Date	Dec 4, 2018
Book Page	004969/000076
Instrument	22801

Lender

Name	CENTRAL BK/BOONE CNTY
Address	CENTRALIA, MO 65240

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Boone County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Boone County
Municipality	Sturgeon City
Unified School District	Sturgeon R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,824 (-) Land $2,166 Building $56,658
2025	$3,728.00	$58,824 (+14.5%) Land $2,166 Building $56,658	$309,600 (+14.5%) Land $11,400 Building $298,200
2023		$51,376 Land $2,166 Building $49,210	$270,400 Land $11,400 Building $259,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 30, 2022 · 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 Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STURGEON PWS serves 945 people · EPA ID MO3010771
Water Source	Purchased groundwater from BOONE COUNTY PWSD 10
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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