1804 Summitview Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1804 Summitview Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,861 sqft · built 1998
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$281,000 (Dec 2020)
Tax Bill	$3,504 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973000718`

Property Details

APN / Parcel Number

Primary APN	`A973000718`
Alternative APN	`3-0116-7509-00-0124.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,861 sqft Living Area
Gross Area	3,271 sqft
1st Floor Area	1,461 sqft
Basement Area	1,403 sqft
Finished Basement	400 sqft
Unfinished Basement	1,003 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973000718
Street Address	1804 SUMMITVIEW DR
City	SAINT CHARLES
State	MO
Zip	63303-5304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF1
Legal Description	SUMMIT AT ST CHAS LOT 124
Legal Subdivision	SUMMIT AT ST CHAS
Legal Lot Number	124
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2006
Census Tract	311001

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1804 SUMMITVIEW DR, SAINT CHARLES, MO 63303-5304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Warranty Deed, Transfer ARMED FORCES BK
Jun 24, 2020	Deed of Trust, Mortgage GERSHMAN MTG
Jun 24, 2020	Warranty Deed, Transfer · Construction Mortgage THE DAVID A SMITHTRUST (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Prior Sale	Jun 24, 2020 · Amount on Record
Deed Document Number	202094249
Prior Transfer Date	Jun 30, 2015
Prior Transfer Doc	0063842166
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 3, 2020
Property Address	1804 SUMMITVIEW DR, SAINT CHARLES, MO 63303-5304
Document Number	0000094249
Instrument Date	Nov 25, 2020
Instrument	94249
Transaction Type	Transfer
Record Updated	Mar 5, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 SUMMITVIEW DR ST CHARLES MO 633035304, ST CHARLES, MO 63303-5304

Mortgage

Document Number	94250
Date	Dec 3, 2020
Instrument	94250

Lender

Name	ARMED FORCES BK
Type	Bank
Address	OVERLAND PARK, KS 66210

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1804 SUMMITVIEW DR, SAINT CHARLES, MO 63303-5304
Document Number	0073300390
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 SUMMITVIEW DR ST CHARLES MO 633035304, ST CHARLES, MO 63303-5304

Mortgage

Document Number	0073300390
Date	Jun 26, 2020
Book Page	007330/000390
Instrument	438480

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 24, 2020
Property Address	1804 SUMMITVIEW DR, SAINT CHARLES, MO 63303-5304
Document Number	0073281046
Book / Page	007328 / 001046
Instrument Date	Jun 23, 2020
Instrument	432840
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	SECURITY TITLE INSURANCE AGENCY, SECURITY TITLE INS AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	34 N BRENTWOOD BLVD #205 CLAYTON MO 631053746, 205, CLAYTON, MO 63105-3746
Investor	Possibly a Property Investor

Mortgage

Document Number	73281058
Date	Jun 24, 2020
Book Page	007328/001058
Instrument	432860

Lender

Name	THE DAVID A SMITHTRUST (PT)
Address	9316 SCARBOROUGH CT, PORT ST LUCIE, FL 34986-3360

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 23, 2021

Mortgage

Document Number	73281048,
Date	Jun 24, 2020
Book Page	007328/001048
Instrument	432850

Lender

Name	LINDELL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63139

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,802 (-)	$320,011 (-) Land $75,000 Building $245,011
2025	$3,504.00 (+4.94%)	$60,802 (+8.1%)	$320,011 (+8.1%) Land $75,000 Building $245,011
2024	$3,339.00
2023		$56,248
2022			$296,042 Land $55,000 Building $241,042

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	20 (1979–1993)
Most Recent Claim	Jun 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jun 1993 · 5 claims

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	Not rated no burnable land within 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 System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 295 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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