Bolthole Index

Cass County, Missouri

Zoning, building permits and septic rules in Lake Annette, Missouri

Lake Annette is a city in Cass County, Missouri. Lake Annette adopts its own zoning, so inside its limits Lake Annette’s rules apply, not the county’s. Septic permits inside Lake Annette come from Lake Annette. 9 rules below are quoted from official sources and independently re-checked, most recently on November 5, 2026. Rules for unincorporated land are on the Cass County page.

Answers from the rulebook for Lake Annette

Lake Annette’s own rules

  • Local zoningPresent (with conditions)

    Land inside Lake Annette city limits.

    • The published zoning ordinance was later amended as to Section 10; this claim does not treat the county zoning order as the city's ordinance.
    “AN ORDINANCE ESTABLISHING ZONING AND BUILDING ORDINANCES CONCERNING THE CONSTRUCTION OF BUILDINGS USED FOR HABITATION OR FOR CONSTRUCTION OF BUILDINGS USED FOR STORAGE PURPOSES OR FOR RECREATIONAL PURPOSES.”
  • Zoning districtsPublished (with conditions)

    Zoning districts inside Lake Annette city limits.

    • The accessible ordinance text establishes R-1; no conclusion is made that it is the only current district after later amendments.

    zoning district: R-1, One-Family dwelling district

    “There are hereby created the following districts and zones: District R-1, One-Family dwelling district.”
  • Who permits septicLocal (with conditions)

    Holding tanks for existing buildings inside Lake Annette city limits where insufficient land area exists for a septic tank and lateral field.

    • The ordinance concerns holding tanks where there is insufficient land area to install a septic tank and lateral field for existing buildings.
    “No person shall install a holding tank without the approval of the Board of Aldermen, and without first obtaining a permit for installation of a holding tank from the Board of Aldermen.”
  • Septic permitRequired

    Installation of a sewage holding tank for an existing building inside Lake Annette city limits where insufficient land area exists for a septic tank and lateral field.

    • Board of Aldermen approval is required.
    • The permit is a holding-tank-installation permit, not a demonstrated rule for every type of onsite wastewater system.
    “No person shall install a holding tank without the approval of the Board of Aldermen, and without first obtaining a permit for installation of a holding tank from the Board of Aldermen.”
  • Septic inspectionRequired

    A sewage holding tank installed inside Lake Annette city limits.

    • The holding tank may not be buried until it is inspected by the Building Inspector.
    “After installation, such tank shall not be buried without first being inspected by the Building Inspector.”
  • Off-grid sanitationLimited

    A sewage holding tank for an existing building inside Lake Annette city limits where there is insufficient land area for a septic tank and lateral field.

    • Board approval and a holding-tank-installation permit are required.
    • The tank must not be buried before Building Inspector inspection.
    • The ordinance requires a visible pumping indicator; at 90 percent capacity the tank must be pumped.
    • A bond for two pumpings is required and is refundable when the property changes ownership.

    minimum holding-tank capacity: >= 1000 gallons (The ordinance recommends 1,200 gallons; a building containing one to three bedrooms must have a 1,200-gallon minimum, four bedrooms 1,600 gallons, and five or more bedrooms 2,000 gallons.)

    “Minimum size shall be One Thousand (1000) gallon capacity, with the reccomendation that the tank size be One Thousand, Two Hundred (1200) gallon capacity.”

Rules another office applies inside Lake Annette

Lake Annette does not set these itself; the county, a health district or the state does, and they apply to every address inside its limits.

  • Minimum lot sizeSpecified

    One-family dwellings in Lake Annette R-1 One-Family Dwelling District.

    • A preexisting separately owned parcel that was in existence on or before January 2, 1995, or before later amendments causing insufficient width, may be used if all other ordinance requirements are met.

    minimum lot area: >= 15000 square feet (For a one-family dwelling in R-1.) · minimum lot width: >= 100 feet (For R-1; subject to the preexisting-parcel provision.)

    “In District R-1, no building shall be erected or altered on a lot which makes provision for less than fifteen thousand (15,000) square feet of lot area for a one-family dwelling.”
  • SetbacksSpecified

    Buildings in Lake Annette R-1 One-Family Dwelling District.

    • The front-yard and rear-yard depth need not exceed 30 feet.
    • A side yard is required on each side of every building except an accessory building.
    • Corner lots have additional reversed-frontage rules.

    front yard depth: >= 25 percent of lot depth (Need not be more than 30 feet.) · side yard width: >= 10 percent of lot width (Not less than 4 feet and need not be more than 8 feet; exception for accessory buildings.) · rear yard depth: >= 25 percent of lot depth (Need not be more than 30 feet.)

    “The front yards in this district shall have a minimum depth of twenty-five (25) per cent of the depth of the lot, but the depth of such front yard need not be more than thirty (30) feet.”
  • Building heightSpecified

    Buildings and structures in Lake Annette R-1 One-Family Dwelling District.

    • The zoning ordinance states that exceptions are contained in Section 6.

    maximum building height: <= 35 feet (Also limited to two and one-half stories.)

    “Buildings and structures shall not exceed two and one-half (2-1/2) stories, and shall not exceed thirty-five (35) feet in height.”

Still unanswered

We looked and could not find an official answer yet. Silence is not permission; ask Lake Annette or Cass County directly.

  • Building permit — Residential construction inside Lake Annette city limits.
  • Owner-builder exemption — Owner-builder work inside Lake Annette city limits.
  • Building code adopted — Building-code adoption for construction inside Lake Annette city limits.
  • Inspections — Building inspections for construction inside Lake Annette city limits.
  • Certificate of occupancy — Certificates of occupancy for structures inside Lake Annette city limits.
14 more unanswered
  • Minimum dwelling size
  • Lot coverage
  • Living in an RV
  • Camping on your land
  • Tiny homes
  • Manufactured homes
  • Accessory dwellings
  • Well permit
  • Mandatory utility hookup
  • Agricultural exemption
  • Subdividing land
  • Driveway access
  • Building in a floodplain
  • Short-term rentals

Each answer was extracted from an official source and independently re-checked against that source by a second reviewer. That is an evidence check, not legal advice. Rules change; confirm with the authority before you buy or build.

Unanswered questions are usually a sign that Lake Annette publishes no rule on the point, not that none exists. Cass County’s page lists the county offices to call.

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