Clinton County property record for 302 Cummings Dr, Gower, MO 64454
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,768 sqft · built 1973 |
| Lot Size | 2.06 acres (89,734 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (Nov 2024) |
| Tax Bill | $4,387 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05 08.0 34 003 006 018.000 |
| Primary APN | 05 08.0 34 003 006 018.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 111 Units |
| Stories | 1 Story |
| Building Area | 4,768 sqft Living Area |
| Basement Area | 2,384 sqft |
| Finished Basement | 2,384 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Wood |
| Lot Area | 89,734 sqft (2.06 acres) |
| Garage Type | Mixed |
| Garage Area | 1,428 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 112 sqft |
| Patio Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 302 CUMMINGS DR |
|---|---|
| City | GOWER |
| State | MO |
| Zip | 64454-9352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL OF LOT 8, CUMMINGS 4TH/PT OF LOT 11, CUMMINGS 5TH, BEG SW CORNER OF LOT 11, NE 121.7', S 54.41', E 84.20', SW 121.65', PT |
| Legal Range | 33W |
| Legal Township | 56N |
| Legal Section | 34 |
| Legal Subdivision | CUMMINGS FOURTH ADDITION |
| Legal Lot Number | 8,11,12 |
| Jurisdiction | CLINTON MO |
| Township / Civil Division | ATCHISON |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 960400 |
Source: Clinton County records, as of July 21, 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 | 302 CUMMINGS DR, GOWER, MO 64454-9352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Aug 21, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 5, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MAINSTREET FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2024 · Amount on Record |
| Deed Sale | Nov 26, 2024 · Amount on Record |
| Prior Sale | Jul 1, 2011 |
| Deed Document Number | 20242878 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CLINTON MO |
| Recording Date | Aug 21, 2026 |
| Property Address | 302 CUMMINGS DR, GOWER, MO 64454-9352 |
| Document Number | 0000002612 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 20262612 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 CUMMINGS DR, GOWER, MO 64454-9352 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON MO |
| Property Address | 302 CUMMINGS DR, GOWER, MO 64454-9352 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Title Company | UNKNOWN, MCCAFFREE SHORT TITLE |
| Name | Verified Name |
|---|---|
| Address | 302 CUMMINGS DR, GOWER, MO 64454-9352 |
| Document Number | 0202503379 |
|---|---|
| Date | Dec 5, 2025 |
| Instrument | 202503379 |
| Name | MAINSTREET FCU |
|---|---|
| Type | Credit Union |
| Address | LENEXA, KS 66215 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2035 |
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 | $4,387.00 (+10.25%) | $54,264 (+12%) Land $10,955 Building $43,309 | $285,600 (+12%) Land $57,660 Building $227,940 |
| 2024 | $3,979.00 (+1.12%) | ||
| 2023 | $3,935.00 (+18.35%) | $48,450 (+7.82%) Land $9,781 Building $38,669 | $255,002 (+7.82%) Land $51,480 Building $203,522 |
| 2022 | $3,325.00 | $44,935 Land $9,781 Building $35,154 | |
| 2021 | $236,500 Land $51,480 Building $185,020 |
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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