221 Charlotte Dr, Gray Summit, MO 63039 Property Records

Franklin County property record for 221 Charlotte Dr, Gray Summit, MO 63039

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,246 sqft · built 2018
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-3-05.0-4-005-086.000`

Property Details

APN / Parcel Number

Primary APN	`19-3-05.0-4-005-086.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,246 sqft Living Area

Exterior

Year Built	Built 2018
Architectural Style	Split Foyer
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	221 CHARLOTTE DR
City	GRAY SUMMIT
State	MO
Zip	63039-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CD
Legal Description	LOT:68 GRAY SUMMIT HILLS 5
Legal Range	02E
Legal Township	43
Legal Section	05
Legal Quarter	SE
Legal Subdivision	GRAY SUMMIT HILLS
Legal Block	5
Legal Lot Number	68
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOLES
Census Block Group	1
Census Block	1042
Census Tract	800101

Owner

Source: Franklin County records, as of November 10, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	221 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Deed of Trust, Mortgage · VA Mortgage FRONTIER MTG
Dec 6, 2018	Warranty Deed, Transfer · VA Mortgage FRONTIER MTG
Mar 5, 2018	Trustee's Deed, Construction Loan · Line of Credit CITIZENS BK
Feb 14, 2017	Warranty Deed, Construction Loan · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2018
Deed Sale	Dec 6, 2018
Deed Document Number	1816704
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	221 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Document Number	0000011917
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	221 CHARLOTTE DR GRAY SUMMIT MO 630391121, GRAY SUMMIT, MO 63039-1121

Mortgage

Document Number	0000011917
Date	Sep 9, 2019
Instrument	11917

Lender

Name	FRONTIER MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 6, 2018
Property Address	221 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Document Number	0000016704
Instrument Date	Dec 5, 2018
Instrument	16704
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	221 CHARLOTTE DR GRAY SUMMIT MO 630391121, GRAY SUMMIT, MO 63039-1121

Mortgage

Document Number	16705
Date	Dec 6, 2018
Instrument	16705

Lender

Name	FRONTIER MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2048

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 5, 2018
Property Address	221 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Instrument Date	Feb 21, 2018
Instrument	2817
Transaction Type	Construction Loan
Record Updated	Apr 3, 2018
Title Company	HILLSBORO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3423 SPRINGCREST CT WASHINGTON MO 630905567, WASHINGTON, MO 63090-5567

Mortgage

Document Number	0000002817
Date	Mar 5, 2018
Instrument	2817

Lender

Name	CITIZENS BK
Type	Bank
Address	NEW HAVEN, MO 63068

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 4, 2019

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 14, 2017
Property Address	221 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Document Number	0000002199
Instrument Date	Feb 10, 2017
Instrument	2199
Transaction Type	Construction Loan
Record Updated	Aug 16, 2018
Title Company	HILLSBORO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3423 SPRINGCREST CT WASHINGTON MO 630905567, WASHINGTON, MO 63090-5567

Mortgage

Document Number	2200
Date	Feb 14, 2017
Instrument	2200

Lender

Name	CITIZENS BK
Type	Bank
Address	NEW HAVEN, MO 63068

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 13, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Unified School District	Meramec Valley R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,862.00 (+11.36%)	$37,132 (+2.57%)	$195,430 (+2.57%) Land $36,400 Building $159,030
2023	$2,570.00 (+7.22%)	$36,203	$190,540 Land $36,400 Building $154,140
2022	$2,397.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 66% of the US · lower than 76% 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	FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wisper ISP.

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