St. Charles County property record for 1 Summer Forest Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,466 sqft · built 1982 |
| Lot Size | 0.291 acres (12,690 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (May 2025) |
| Tax Bill | $2,452 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 579100A001 |
| Primary APN | 579100A001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,466 sqft Living Area |
| Gross Area | 2,046 sqft |
| 1st Floor Area | 816 sqft |
| Basement Area | 768 sqft |
| Finished Basement | 650 sqft |
| Unfinished Basement | 118 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,690 sqft (0.291 acres) |
| Lot Dimensions | 135 ft deep x 94 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | Deck Area |
| Patio Area | 204 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 579100A001 |
|---|---|
| Street Address | 1 SUMMER FOREST CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC4 |
| Legal Description | SUMMERFIELD #1 LOT 38 |
| Legal Subdivision | SUMMERFIELD #1 |
| Legal Lot Number | 38 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311150 |
1 Summer Forest Ct is owned and occupied by two individuals who bought it in May 2025.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 SUMMER FOREST CT, SAINT CHARLES, MO 63304-2637 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage PRAIRIE STATE BANK & TRUST |
| Oct 7, 2019 | Warranty Deed, Transfer FREEDOM TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2025 · Amount on File |
| Deed Sale | May 28, 2025 · Amount on File |
| Prior Sale | Jun 10, 2020 · Amount on File |
| Deed Document Number | 202522072 |
| Prior Transfer Date | Mar 7, 2000 |
| Prior Transfer Doc | 0000013762 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1 SUMMER FOREST CT, SAINT CHARLES, MO 63304-2637 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1 SUMMER FOREST CT, SAINT CHARLES, MO 63304-2637 |
| Document Number | 0000008706 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | 2026R-008706 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Aug 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 10, 2020 |
| Property Address | 1 SUMMER FOREST CT, SAINT CHARLES, MO 63304-2637 |
| Document Number | 0073161681 |
| Book / Page | 7316 / 1681 |
| Map Reference | MB 19 PG 155 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 20200610000388580 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CARRINGTON TITLE PARTNERS LL |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2391 HIGHWAY 47, 2391, LONEDELL, MO 63060-1121 |
| Name | Verified Name |
|---|---|
| Address | 1 SUMMER FOREST CT, SAINT CHARLES, MO 63304-2637 |
| Document Number | 20200610000388590 |
|---|---|
| Date | Jun 10, 2020 |
| Instrument | 20200610000388590 |
| Name | PRAIRIE STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 7, 2019 |
| Property Address | 1 SUMMER FOREST CT, SAINT CHARLES, MO 63304-2637 |
| Document Number | 0071570586 |
| Book / Page | 007157 / 000586 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 556430 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2019 |
| Title Company | FREEDOM TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 SUMMER FOREST CT ST CHARLES MO 633042637, ST CHARLES, MO 63304-2637 |
The 2025 property tax bill for 1 Summer Forest Ct was $2,452.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,157 (-) | $216,615 (-) Land $55,000 Building $161,615 | |
| 2025 | $2,452.00 | $41,157 | $216,615 |
| 2023 | $41,634 | ||
| 2022 | $219,126 Land $45,000 Building $174,126 |
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.
FEMA maps place 1 Summer Forest Ct in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| 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 risk around 1 Summer Forest Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) 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.
Source: FCC Broadband Data Collection, based on 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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