1. Home
  2. Missouri
  3. St. Charles County
  4. Saint Charles
  5. Summerset Dr

129 Summerset Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 129 Summerset Dr, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,955 sqft · built 1985
Lot Size1.96 acres (85,378 sqft)
Owner2 Individual Names on Record
Last Sale$553,000 (Mar 2024)
Tax Bill$4,752 (2025)
Deeds & MortgagesJan 2026 Mortgage
Mar 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN425910A009

Property Details

APN / Parcel Number

Primary APN425910A009
Alternative APN
  • 2-0128-5580-00-0019.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,955 sqft Living Area
Gross Area4,439 sqft
1st Floor Area1,955 sqft
Basement Area1,955 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleRanch
Exterior MaterialBrick/Stone
Roof TypeGable
Roof MaterialAsphalt
Lot Area85,378 sqft
TerrainRolling
Garage TypeAttached
Garage Area529 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area84 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number425910A009
Street Address129 SUMMERSET DR
CitySAINT CHARLES
StateMO
Zip63304-7687
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF0
Legal DescriptionLAKES #1 LOT 19
Legal SubdivisionLAKES #1
Legal Lot Number19
JurisdictionST CHARLES MO
Township / Civil DivisionDARDENNE
Census Block Group3
Census Block3025
Census Tract311124

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address129 SUMMERSET DR, SAINT CHARLES, MO 63304-7687
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 6, 2026Deed of Trust, Mortgage · Conventional Mortgage
FIRST STATE BANK OF ST CHARLES MO
Mar 27, 2024Warranty Deed, Transfer · Conventional Mortgage
DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 27, 2024 · Amount on Record
Deed SaleMar 27, 2024 · Amount on Record
Prior SaleMay 19, 2014 · Amount on Record
Deed Document Number202411422
Prior Transfer DateMar 22, 2002
Prior Transfer Doc0000034408
Record UpdatedOct 29, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address129 SUMMERSET DR, SAINT CHARLES, MO 63304-7687
Transaction TypeMortgage
Record UpdatedJan 20, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address11812 GOLD LEAF DR, KAMPVILLE, MO 63301

Mortgage

Document Number0000000658
DateJan 6, 2026
Instrument2026R-000658
Lender
NameFIRST STATE BANK OF ST CHARLES MO
TypeBank
AddressSAINT CHARLES, MO 63301
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2056

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMar 27, 2024
Property Address129 SUMMERSET DR, SAINT CHARLES, MO 63304-7687
Document Number0000011422
Map ReferenceMB 22 PG 119
Instrument DateMar 12, 2024
Instrument2024R-011422
Transaction TypeTransfer
Record UpdatedApr 11, 2024
Title CompanyFREEDOM TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address129 SUMMERSET DR, SAINT CHARLES, MO 63304-7687

Mortgage

Document Number0000011423
DateMar 27, 2024
Instrument2024R-011423
Lender
NameDELMAR FINANCIAL CO
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$78,207 (-)$411,614 (-) Building $411,614
2025$4,752.00 (+12.39%)$78,207 (+13.07%)$411,614 (+13.07%) Building $411,614
2024$4,228.00
2023$69,167
2022$364,035 Land $100,000 Building $264,035

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 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 RiskLow
lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Also Mapped HereMO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 88 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Wisper ISP.

Nearby Properties on Summerset Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures