296 Lower St, Augusta, MO 63332 Property Records

St. Charles County property record for 296 Lower St, Augusta, MO 63332

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,268 sqft · built 1920
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$37,500 (Aug 2001)
Deeds & Mortgages	Jan 2024 Sale Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169780A000`

Property Details

APN / Parcel Number

Primary APN	`169780A000`
Alternative APN	`1-0033-S014-00-0039.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,268 sqft Living Area
1st Floor Area	2,268 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	43,560 sqft
Garage Type	Detached
Garage Area	1,568 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Porch
Porch Area	268 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	169780A000
Street Address	296 LOWER ST
City	AUGUSTA
State	MO
Zip	63332-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	NE OF AUGUSTA
Legal Range	1
Legal Township	44
Legal Section	01
Legal Lot Number	39
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2027
Census Tract	312204

Owner

Source: St. Charles County records, as of August 7, 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	296 LOWER ST, AUGUSTA, MO 63332-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Beneficiary Deed, Transfer
Apr 4, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Mar 24, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2001 · Amount on Record
Deed Sale	Aug 30, 2001 · Amount on Record
Deed Document Number	200173669
Deed Book / Page	2653 / 831
Last Transfer Date	Jan 11, 2024
Transfer Doc	0000002685
Record Updated	Sep 20, 2026

January 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 23, 2024
Property Address	296 LOWER ST, AUGUSTA, MO 63332-1744
Document Number	0000002685
Instrument Date	Jan 11, 2024
Instrument	2024R-002685
Transaction Type	Transfer
Record Updated	Feb 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	296 LOWER ST, AUGUSTA, MO 63332-1744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 LOWER ST, AUGUSTA, MO 63332-1744

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	296 LOWER ST, AUGUSTA, MO 63332-1744
Document Number	0072730186
Instrument Date	Apr 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	296 LOWER ST AUGUSTA MO 633321744, AUGUSTA, MO 63332-1744

Mortgage

Document Number	0072730186
Date	Apr 20, 2020
Book Page	007273/000186
Instrument	242250

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	296 LOWER ST, AUGUSTA, MO 63332-1744
Document Number	0067230451
Book / Page	006723 / 000451
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	296 LOWER ST AUGUSTA MO 633321744, AUGUSTA, MO 63332-1744

Mortgage

Document Number	0067230451
Date	Apr 5, 2017
Book Page	006723/000451
Instrument	203830

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Augusta Town
County	St. Charles County
Unified School District	Washington School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$49,308 (+6.01%)	$259,521 (+6.01%) Land $45,000 Building $214,521
2023	$46,513
2022		$244,805 Land $45,000 Building $199,805

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 August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	6 (1993–2000)
Claims Outside the SFHA	3 of 6
Most Recent Claim	May 2000 · Severe Thunderstorms And Flash Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 3 claims

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 67% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	ST CHARLES CO PWSD 2 AUGUSTA serves 881 people · EPA ID MO6024531
Water Source	Groundwater
Last State Inspection	May 2023
Also Mapped Here	ST CHARLES COUNTY PWSD 2
Lead	2 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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