305 E Francis St, Sturgeon, MO 65284 Property Records

Boone County property record for 305 E Francis St, Sturgeon, MO 65284

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,506 sqft · built 2023
Owner	Individual Name on Record
Tax Bill	$2,586 (2025)
Deeds & Mortgages	May 2025 Construction Loan Jul 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-100-00-03-002.00 01`

Property Details

APN / Parcel Number

Primary APN	`03-100-00-03-002.00 01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,506 sqft Living Area

Exterior

Year Built	Built 2023
Architectural Style	Ranch
Exterior Material	Wood
Lot Dimensions	222 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Street Address	305 E FRANCIS ST
City	STURGEON
State	MO
Zip	65284-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE COR BLK 20 PROCTOR PLACE
Jurisdiction	BOONE MO
Township / Civil Division	BOURBON
Census Block Group	1
Census Block	1006
Census Tract	1904

Owner

Source: Boone County records, as of January 20, 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 Record
Co-owner	Co-owner on Record
Mailing Address	305 E FRANCIS ST, STURGEON, MO 65284-9203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2025	Deed of Trust, Mortgage · Construction Mortgage CENTRAL TRUST BANK
Jul 23, 2025	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Jun 25, 2024	Warranty Deed, Transfer BOONE CENTRAL TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2025
Deed Sale	Jul 23, 2025
Prior Sale	Jun 25, 2024
Deed Document Number	2025012821
Deed Book / Page	6028 / 87
Record Updated	Jun 8, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE MO
Property Address	305 E FRANCIS ST, STURGEON, MO 65284-9203
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007054
Date	May 1, 2025
Book Page	5992/20
Instrument	2025007054

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	CENTRALIA, MO 65240

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Jul 23, 2025
Property Address	305 E FRANCIS ST, STURGEON, MO 65284-9203
Document Number	0000012821
Book / Page	6028 / 87
Map Reference	MB 1 PG 32
Instrument Date	Jul 22, 2025
Instrument	2025012821
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 E FRANCIS ST, STURGEON, MO 65284-9203
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012823
Date	Jul 23, 2025
Instrument	2025012823

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year CMT
Margin	3
Max Rate	12%

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE MO
Recording Date	Jun 25, 2024
Property Address	305 E FRANCIS ST, STURGEON, MO 65284-9203
Document Number	0000009491
Book / Page	5882 / 92
Map Reference	MB 1 PG 32
Instrument Date	Jun 25, 2024
Instrument	2024009491
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	BOONE CENTRAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	305 E FRANCIS ST, STURGEON, MO 65284-9203

Tax Assessment & Valuation

Source: Boone County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Boone County
Municipality	Sturgeon City
Unified School District	Sturgeon R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,586.00	$36,176 Land $2,337 Building $33,839	$190,400 Land $12,300 Building $178,100

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 January 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% 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	BOONE COUNTY PWSD 10 serves 4,963 people · EPA ID MO3024059
Water Source	Groundwater
Last State Inspection	Jun 2024
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)
Socket Telecom Fiber	2,500 / 2,500

Cell Coverage

5G and 4G LTE (outdoors only)

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