St. Charles County property record for 109 Summerset Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,062 sqft · built 1984 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $4,135 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 567906A009 |
| Primary APN | 567906A009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,062 sqft Living Area |
| Gross Area | 4,260 sqft |
| 1st Floor Area | 2,062 sqft |
| Basement Area | 1,670 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 | 43,996 sqft |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 567906A009 |
|---|---|
| Street Address | 109 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 5 |
| Legal Subdivision | LAKES #1 |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 311124 |
109 Summerset Dr is owned by a company that acquired it in June 2013.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 109 SUMMERSET DR, SAINT CHARLES, MO 63304-7671 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 19, 2013 |
| Transfer Doc | 0060531628 |
| Record Updated | Sep 20, 2026 |
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 | $75,258 (-) | $396,097 (-) Land $100,000 Building $296,097 | |
| 2025 | $75,258 | $396,097 Land $100,000 Building $296,097 | |
| 2024 | $4,135.00 | ||
| 2023 | $69,279 | ||
| 2022 | $364,625 Land $100,000 Building $264,625 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Summerset Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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.
Wildfire risk around 109 Summerset Dr is low, with a 0.02% annual chance of wildfire.
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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