St. Charles County property record for 105 Summerset Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,791 sqft · built 1984 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $268,000 (Aug 2001) |
| Tax Bill | $4,785 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 567906A007 |
| Primary APN | 567906A007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,791 sqft Living Area |
| Gross Area | 5,523 sqft |
| 1st Floor Area | 2,366 sqft |
| Basement Area | 2,352 sqft |
| Finished Basement | 1,425 sqft |
| Unfinished Basement | 927 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,094 sqft |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 805 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 595 sqft |
| Porch | Open Porch |
| Porch Area | 450 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 567906A007 |
|---|---|
| Street Address | 105 SUMMERSET DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | LAKES #1 LOT 3 |
| Legal Subdivision | LAKES #1 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 311124 |
Source: St. Charles County records, as of August 26, 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 | 105 SUMMERSET DR, SAINT CHARLES, MO 63304-7671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2001 · Amount on Record |
| Deed Sale | Aug 8, 2001 · Amount on Record |
| Deed Document Number | 200166497 |
| Deed Book / Page | 2637 / 1767 |
| Last Transfer Date | May 19, 2025 |
| Transfer Doc | 0000021283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 105 SUMMERSET DR, SAINT CHARLES, MO 63304-7671 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 105 SUMMERSET DR, WELDON SPRING, MO 63304-7671 |
| Document Number | 0000012793 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 2026R-012793 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 13, 2056 |
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 | $87,879 (-) | $462,523 (-) Land $100,000 Building $362,523 | |
| 2025 | $87,879 (+9.53%) | $462,523 (+9.53%) Land $100,000 Building $362,523 | |
| 2024 | $4,785.00 | ||
| 2023 | $80,231 | ||
| 2022 | $422,267 Land $100,000 Building $322,267 |
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.
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 | 9 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2017 · other causes |
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 | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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