Clinton County property record for 200 Cummings Dr, Gower, MO 64454
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,800 sqft · built 1977 |
| Lot Size | 1.04 acres (45,520 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $530,670 (Jul 2026) |
| Tax Bill | $3,355 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05 08.0 34 003 006 021.000 |
| Primary APN | 05 08.0 34 003 006 021.000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 108 Units |
| Stories | 1 Story |
| Building Area | 2,800 sqft Living Area |
| Basement Area | 1,736 sqft |
| Finished Basement | 1,064 sqft |
| Unfinished Basement | 672 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | A-Frame |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Wood |
| Lot Area | 45,520 sqft (1.04 acres) |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 200 CUMMINGS DR |
|---|---|
| City | GOWER |
| State | MO |
| Zip | 64454-9355 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PORTION OF LOT 11 CUMMINGS 4TH ADD WHICH LIES SOUTH OF CREEK BED |
| Legal Range | 33W |
| Legal Township | 56N |
| Legal Section | 34 |
| Legal Subdivision | CUMMINGS 4TH ADD |
| Legal Lot Number | 11 |
| Jurisdiction | CLINTON MO |
| Township / Civil Division | ATCHISON |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 960400 |
Source: Clinton County records, as of July 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 200 CUMMINGS DR, GOWER, MO 64454-9355 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage FINANCIAL CORPORATION |
| Apr 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on Record |
| Deed Sale | Jul 2, 2026 · Amount on Record |
| Prior Sale | Nov 26, 2024 · Amount on Record |
| Deed Document Number | 20262004 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON MO |
| Recording Date | Jul 2, 2026 |
| Property Address | 200 CUMMINGS DR, GOWER, MO 64454-9355 |
| Document Number | 0000002004 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 20262004 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | LAKESIDE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 CUMMINGS DR, GOWER, MO 64454-9355 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002040, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 20262040 |
| Name | FINANCIAL CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON MO |
| Property Address | 200 CUMMINGS DR, GOWER, MO 64454-9355 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 200 CUMMINGS DR, GOWER, MO 64454-9355 |
| Document Number | 0202501016 |
|---|---|
| Date | Apr 29, 2025 |
| Instrument | 202501016 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2045 |
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 | $3,355.00 | $41,503 (+11.99%) Land $7,934 Building $33,569 | $218,440 (+12%) Land $41,760 Building $176,680 |
| 2024 | $3,355.00 (+11.46%) | $37,058 (-) Land $7,085 Building $29,973 | |
| 2023 | $3,010.00 (+19.63%) | $37,058 (+8.98%) Land $7,085 Building $29,973 | $195,042 (+8.98%) Land $37,290 Building $157,752 |
| 2022 | $2,516.00 | $34,004 Land $7,085 Building $26,919 | |
| 2021 | $178,970 Land $37,290 Building $141,680 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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