308 Lower St, Augusta, MO 63332 Property Records

St. Charles County property record for 308 Lower St, Augusta, MO 63332

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 5,014 sqft · built 2004
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Sep 2025)
Tax Bill	$9,057 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T041300027`

Property Details

APN / Parcel Number

Primary APN	`T041300027`
Alternative APN	`1-0033-S014-00-0039.2000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	5,014 sqft Living Area
Gross Area	6,571 sqft
1st Floor Area	1,857 sqft
Basement Area	3,714 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	46,174 sqft (1.06 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,000 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	58 sqft
Deck Area	Deck Area
Patio Area	533 sqft

Location & Zoning

Account Number	T041300027
Street Address	308 LOWER ST
City	AUGUSTA
State	MO
Zip	63332-1746
Property Category	Residential
Property Type	Residential > Single Family > Home
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 September 14, 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	308 LOWER ST, AUGUSTA, MO 63332-1746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit FIRST MIDWEST BANK OF DEXTER
Apr 5, 2023	Deed of Trust, Mortgage · Line of Credit FIRST STATE COMMUNITY BANK
Nov 9, 2021	Warranty Deed, Transfer · Line of Credit FIRST STATE COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Prior Sale	Feb 15, 2023
Deed Document Number	202540462
Prior Transfer Date	Feb 3, 2023
Prior Transfer Doc	0000005616
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	308 LOWER ST, AUGUSTA, MO 63332-1746
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 N 3RD ST, SAINT CHARLES, MO 63301-2111

Mortgage

Document Number	0000040463
Date	Sep 15, 2025
Instrument	2025R-040463

Lender

Name	FIRST MIDWEST BANK OF DEXTER
Type	Bank
Address	JACKSON, MO 63755

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	308 LOWER ST, AUGUSTA, MO 63332-1746
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 VICTORIA DR, LABADIE, MO 63055-1076

Mortgage

Document Number	0000012760
Date	Apr 5, 2023
Instrument	2023R-012760

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 9, 2021
Property Address	308 LOWER ST, AUGUSTA, MO 63332-1746
Document Number	2021R092530
Instrument Date	Nov 4, 2021
Instrument	2021R-092530
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15515 CRATER DR, 15515, CHESTERFIELD, MO 63017-5119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 HORRELL LN, HIGH RIDGE, MO 63049-2300

Mortgage

Document Number	2021R092531
Date	Nov 9, 2021
Instrument	2021R-092531

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,671 (-40.63%)	$445,636 (-) Land $34,999 Building $410,637
2025	$9,057.00 (+3.46%)	$142,604 (+78.36%)	$445,636 (+5.9%) Land $34,999 Building $410,637
2024	$8,754.00
2023		$79,955
2022			$420,817 Land $34,999 Building $385,818

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.

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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