225 Charlotte Dr, Gray Summit, MO 63039 Property Records

Franklin County property record for 225 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	Individual Name on Record
Last Sale	$169,100 (Apr 2019)
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-3-05.0-4-005-088.000`

Property Details

APN / Parcel Number

Primary APN	`19-3-05.0-4-005-088.000`

Interior

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

Exterior

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

Location & Zoning

Street Address	225 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:70 GRAY SUMMIT HILLS 5
Legal Range	2E
Legal Township	43N
Legal Section	05
Legal Subdivision	GRAY SUMMIT HILLS
Legal Lot Number	70
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 11, 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	225 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MTG
Apr 11, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD 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	Name on Deed
Last Sale	Apr 11, 2019 · Amount on Record
Deed Sale	Apr 11, 2019 · Amount on Record
Prior Sale	Feb 14, 2017
Deed Document Number	20194223
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	225 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Document Number	0000001545
Instrument Date	Jan 21, 2021
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 CHARLOTTE DR GRAY SUMMIT MO 630391121, GRAY SUMMIT, MO 63039-1121

Mortgage

Document Number	0000001545
Date	Jan 26, 2021
Instrument	1545

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 11, 2019
Property Address	225 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Document Number	0000004223
Instrument Date	Apr 9, 2019
Instrument	4223
Transaction Type	Transfer
Record Updated	May 9, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 CHARLOTTE DR GRAY SUMMIT MO 630391121, GRAY SUMMIT, MO 63039-1121

Mortgage

Document Number	4224
Date	Apr 11, 2019
Instrument	4224

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2049

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 5, 2018
Property Address	225 CHARLOTTE DR, GRAY SUMMIT, MO 63039-1121
Instrument Date	Feb 21, 2018
Instrument	2822
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	0000002822
Date	Mar 5, 2018
Instrument	2822

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	225 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 November 11, 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, not market price estimates; both are a fraction of this property's market value.

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 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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