209 Fowler St, Saint Thomas, MO 65076 Property Records

Cole County property record for 209 Fowler St, Saint Thomas, MO 65076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,524 sqft · built 1977
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Mar 2020 Refinance Feb 2018 Refinance
Flood Zone	Zone X (minimal risk)
APN	`19-06-23-0004-002-016`

Property Details

APN / Parcel Number

Primary APN	`19-06-23-0004-002-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,524 sqft Living Area
1st Floor Area	2,524 sqft
Basement Area	880 sqft
Finished Basement	880 sqft
Unfinished Basement	2,436 sqft
Game Room	Game Room

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	33,541 sqft (0.77 acres)
Lot Dimensions	184 ft deep x 174 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	209 FOWLER ST
City	SAINT THOMAS
State	MO
Zip	65076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF ST THOMAS LOTS 13 14 15 & 16 & PT ADJACENT ALLEY IN BLOCK 2
Legal Range	12W
Legal Township	42N
Legal Section	23
Legal Subdivision	TOWN OF ST THOMAS
Legal Block	2
Legal Lot Number	13-16
Jurisdiction	COLE MO
Township / Civil Division	OSAGE
Census Block Group	2
Census Block	2054
Census Tract	20200

Owner

Source: Cole County records, as of August 25, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 187, SAINT THOMAS, MO 65076-0187
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MID AMERICA BANK
Feb 20, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance MID AMERICA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLE MO
Property Address	209 FOWLER ST, SAINT THOMAS, MO 65076
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	707/522
Date	Mar 10, 2020
Book Page	707/522
Instrument	202001953

Lender

Name	MID AMERICA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLE MO
Property Address	209 FOWLER ST, SAINT THOMAS, MO 65076
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	685/14
Date	Feb 20, 2018
Book Page	685/14
Instrument	201801301

Lender

Name	MID AMERICA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Cole County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Cole County
Municipality	St. Thomas Town
Unified School District	Blair Oaks R-II School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$38,800 (+4.89%) Land $1,600 Building $37,200
2025	$2,212.00 (+15.09%)	$36,990 (-) Land $1,520 Building $35,470	$204,400 (+4.98%) Land $8,400 Building $196,000
2023		$36,990 Land $1,520 Building $35,470	$194,700 Land $8,000 Building $186,700
2022	$1,922.00

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 November 2, 2012 · 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
Nearby Flood Claims	1 (1993)
Most Recent Claim	Sep 1993 · 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	COLE COUNTY PWSD 5 serves 350 people · EPA ID MO3024164
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	15 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Nov 2017
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
FireServe Fixed Wireless · not low latency	100 / 50
Mediacom Xtream Fixed Wireless	100 / 20
Brightspeed DSL	100 / 10

May also be available: AT&T.

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