109 S 2nd St, Gower, MO 64454 Property Records

Clinton County property record for 109 S 2nd St, Gower, MO 64454

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,654 sqft · built 1923
Lot Size	0.291 acres (12,676 sqft)
Owner	Individual Name on File
Tax Bill	$1,754 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12 02.0 03 002 030 004.000`

Property Details

APN / Parcel Number

Primary APN	`12 02.0 03 002 030 004.000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Units	99 Units
Stories	1 Story
Building Area	1,654 sqft Living Area
Basement Area	728 sqft
Finished Basement	728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,676 sqft (0.291 acres)
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	252 sqft
Patio Area	414 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	109 S 2ND ST
City	GOWER
State	MO
Zip	64454-9179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 & 8 BLK 18 ORIGINAL TOWN OF GOWER
Legal Range	33W
Legal Township	55N
Legal Section	03
Legal Subdivision	ORIGINAL TOWN
Legal Block	18
Legal Lot Number	7,8
Jurisdiction	CLINTON MO
Township / Civil Division	ATCHISON
Census Block Group	2
Census Block	2035
Census Tract	960400

Owner

109 S 2nd St is owned and occupied by an individual who acquired it in November 2025.

Source: Clinton County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	109 S 2ND ST, GOWER, MO 64454-9179
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit UNION STATE BANK OF EVEREST
Jan 8, 2026	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2021
Deed Sale	Jun 21, 2021
Prior Sale	Jul 1, 1998
Deed Document Number	20212413
Last Transfer Date	Nov 20, 2025
Transfer Doc	0000000055
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MO
Property Address	109 S 2ND ST, GOWER, MO 64454-9179
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202600296
Date	Feb 2, 2026
Instrument	202600296

Lender

Name	UNION STATE BANK OF EVEREST
Type	Bank
Address	ATCHISON, KS 66002

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	62 Months
Due	Apr 1, 2031

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLINTON MO
Recording Date	Jan 8, 2026
Property Address	109 S 2ND ST, GOWER, MO 64454-9179
Document Number	0202600055
Instrument Date	Nov 20, 2025
Instrument	202600055
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 S 2ND ST, GOWER, MO 64454-9179

Tax Assessment & Valuation

The 2025 property tax bill for 109 S 2nd St was $1,754, up 10.2% from the year before.

Source: Clinton County assessment roll, as of February 12, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Clinton County
Municipality	Gower City
Unified School District	East Buchanan County C-1 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,754.00 (+10.25%)	$21,702 Land $2,364 Building $19,338	$114,220 Land $12,440 Building $101,780
2024	$1,591.00 (+1.14%)
2023	$1,573.00 (+19.44%)	$19,376 (+8.81%) Land $2,111 Building $17,265	$101,981 Land $11,110 Building $90,871
2022	$1,317.00	$17,807 Land $2,111 Building $15,696
2021			$93,720 Land $11,110 Building $82,610

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.

Flood

FEMA maps place 109 S 2nd St 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

Wildfire risk around 109 S 2nd St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 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

May also be available: Mercury Fiber, T-Mobile.

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