127 Summerset Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 127 Summerset Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,119 sqft · built 1989
Lot Size	1.16 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,000 (Apr 2020)
Tax Bill	$4,919 (2025)
Deeds & Mortgages	May 2022 Line of Credit Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`425910A008`

Property Details

APN / Parcel Number

Primary APN	`425910A008`
Alternative APN	`2-0128-5580-00-0018.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,119 sqft Living Area
Gross Area	4,546 sqft
1st Floor Area	2,019 sqft
Basement Area	1,965 sqft
Finished Basement	1,100 sqft
Unfinished Basement	865 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,965 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	562 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	54 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	425910A008
Street Address	127 SUMMERSET DR
City	SAINT CHARLES
State	MO
Zip	63304-7687
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKES #1 LOT 18
Legal Subdivision	LAKES #1
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3025
Census Tract	311124

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	127 SUMMERSET DR, SAINT CHARLES, MO 63304-7687
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Mar 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE COMMUNITY BANK
Apr 6, 2020	Warranty Deed, Transfer · VA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2020 · Amount on Record
Deed Sale	Apr 6, 2020 · Amount on Record
Prior Sale	Oct 15, 2015 · Amount on Record
Deed Document Number	2020211300
Deed Book / Page	7263 / 2454
Prior Transfer Date	Jul 8, 1998
Prior Transfer Doc	0000055289
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	127 SUMMERSET DR, SAINT CHARLES, MO 63304-7687
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 SUMMERSET DR, SAINT CHARLES, MO 63304-7687

Mortgage

Document Number	0000029925
Date	May 26, 2022
Instrument	2022R-029925

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	127 SUMMERSET DR, SAINT CHARLES, MO 63304-7687
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068970746
Date	Mar 28, 2018
Book Page	6897/0746
Instrument	20180328000164050

Lender

Name	HERITAGE COMMUNITY BANK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2020
Property Address	127 SUMMERSET DR, SAINT CHARLES, MO 63304-7687
Document Number	0072632454
Book / Page	7263 / 2454
Map Reference	MB 22 PG 119
Instrument Date	Apr 2, 2020
Instrument	20200406000211300
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 SUMMERSET DR, SAINT CHARLES, MO 63304-7687

Mortgage

Document Number	20200406000211310
Date	Apr 6, 2020
Instrument	20200406000211310

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,974 (-)	$426,177 (-) Land $100,000 Building $326,177
2025	$4,919.00	$80,974 (+7.94%)	$426,177 (+7.94%) Land $100,000 Building $326,177
2023		$75,019
2022			$394,836 Land $100,000 Building $294,836

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.03% 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 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

Violations Reported to EPA

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.

Internet Providers

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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