St. Charles County property record for 295 Lower St, Augusta, MO 63332 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,710 sqft · built 2005 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $231,300 (Dec 2025) |
| Tax Bill | $3,489 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jan 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 169326A000 |
| Primary APN | 169326A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,710 sqft Living Area |
| Gross Area | 3,819 sqft |
| 1st Floor Area | 1,710 sqft |
| Basement Area | 1,710 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 100 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | Deck Area |
| Patio Area | 256 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 169326A000 |
|---|---|
| Street Address | 295 LOWER ST |
| City | AUGUSTA |
| State | MO |
| Zip | 63332-1743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KNORNSCHILDS SUB BLK 2 LOT 1 & E1/2 LOT 6 |
| Legal Subdivision | KNORNSCHILDS SUB & 2ND ADDN |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 312204 |
Source: St. Charles County records · APN 169326A000
Assessment roll updated August 7, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 295 LOWER ST, AUGUSTA, MO 63332-1743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Dec 05, 2025 | Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Jan 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 05, 2025 · Amount on Record |
| Deed Sale | Dec 05, 2025 · Amount on Record |
| Prior Sale | Jan 17, 2023 · Amount on Record |
| Deed Document Number | 202554564 |
| Prior Transfer Date | May 24, 2005 |
| Prior Transfer Doc | 0000469840 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 05, 2025 |
| Property Address | 295 LOWER ST, AUGUSTA, MO 63332-1743 |
| Document Number | 0000054564 |
| Map Reference | CAB 2 DR 7 |
| Instrument Date | Dec 03, 2025 |
| Instrument | 2025R-054564 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1205 N CLAY AVE, SAINT LOUIS, MO 63122-1262 |
| Name | Verified Name |
|---|---|
| Address | 295 LOWER ST, AUGUSTA, MO 63332-1743 |
| Document Number | 0000054565 |
|---|---|
| Date | Dec 05, 2025 |
| Instrument | 2025R-054565 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Jan 01, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.8% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 17, 2023 |
| Property Address | 295 LOWER ST, AUGUSTA, MO 63332-1743 |
| Document Number | 0000002000 |
| Instrument Date | Jan 17, 2023 |
| Instrument | 2023R-002000 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | NOT AVAILABLE, UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 DANFORTH DR, GRAY SUMMIT, MO 63039-1128 |
| Name | Verified Name |
|---|---|
| Address | 295 LOWER ST, AUGUSTA, MO 63332-1743 |
| Document Number | 0000002001 |
|---|---|
| Date | Jan 17, 2023 |
| Instrument | 2023R-002001 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Augusta Town |
| County | St. Charles County |
| Unified School District | Washington School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $59,943 (-) | $315,487 (-) Land $47,000 Building $268,487 | |
| 2025 | $3,489.00 (+6.02%) | $59,943 (+8.74%) | $315,487 (+8.74%) Land $47,000 Building $268,487 |
| 2024 | $3,291.00 | ||
| 2023 | $55,123 | ||
| 2022 | $290,119 Land $40,000 Building $250,119 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833122042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 17 in force 4 of 17 on primary residences |
| Nearby Flood Claims | 6 (1993–2000) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | May 2000, rainfall accumulation, Severe Thunderstorms And Flash Flooding |
| Flood Events |
|
| Wildfire Risk | Low above 38% of the US · above 33% of Missouri |
|---|---|
| Wildfire Likelihood | About 1 in 1,887 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures