2 Summerset Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 2 Summerset Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,842 sqft · built 1984
Lot Size	1.26 acres (54,886 sqft)
Owner	Individual Name on Record
Last Sale	$466,300 (Oct 2019)
Tax Bill	$5,406 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`567906A018`

Property Details

APN / Parcel Number

Primary APN	`567906A018`
Alternative APN	`3-0107-5580-00-0017.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,842 sqft Living Area
Gross Area	4,682 sqft
1st Floor Area	2,392 sqft
Basement Area	1,762 sqft
Finished Basement	1,450 sqft
Unfinished Basement	312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,886 sqft (1.26 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	85 sqft
Deck Area	Deck Area
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	567906A018
Street Address	2 SUMMERSET CT
City	SAINT CHARLES
State	MO
Zip	63304-7672
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKES #1 LOT 17
Legal Subdivision	LAKES #1
Legal Lot Number	17
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 13, 2025

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	2 SUMMERSET CT, SAINT CHARLES, MO 63304-7672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Deed of Trust, Mortgage · Line of Credit 1ST MIDAMERICA CU
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CIBC BANK USA
Oct 31, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage CIBC BANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2019 · Amount on Record
Deed Sale	Oct 31, 2019 · Amount on Record
Prior Sale	Oct 7, 2014 · Amount on Record
Deed Document Number	2019617150
Deed Book / Page	7173 / 569
Prior Transfer Date	Oct 25, 2019
Prior Transfer Doc	0071730569
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 SUMMERSET CT, SAINT CHARLES, MO 63304-7672
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 SUMMERSET CT, SAINT CHARLES, MO 63304-7672

Mortgage

Document Number	0000004279
Date	Jan 21, 2022
Instrument	2022R-004279

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	INDEPENDENCE, MO 64055

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 20, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 SUMMERSET CT, SAINT CHARLES, MO 63304-7672
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072800730
Date	Apr 28, 2020
Book Page	7280/730
Instrument	20200428000265000

Lender

Name	CIBC BANK USA
Type	Bank
Address	WORTH, IL 60482

Agreement

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

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 31, 2019
Property Address	2 SUMMERSET CT, SAINT CHARLES, MO 63304-7672
Document Number	0071730569
Book / Page	7173 / 0569
Map Reference	MB 22 PG 119
Instrument Date	Oct 25, 2019
Instrument	20191031000617150
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 SUMRNERSET COURT, SAINT CHARLES, MO 63304

Mortgage

Document Number	20191031000617160
Date	Oct 31, 2019
Instrument	20191031000617160

Lender

Name	CIBC BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$5,406.00 (+8.93%)	$91,287 (+9.68%)	$480,459 (+9.68%) Land $100,000 Building $380,459
2024	$4,963.00
2023		$83,233
2022			$438,067 Land $100,000 Building $338,067

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.

Nearby Properties on Summerset Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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