28 Arbor Point Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 28 Arbor Point Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,888 sqft · built 1997
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,000 (Oct 2019)
Tax Bill	$4,035 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973000643`

Property Details

APN / Parcel Number

Primary APN	`A973000643`
Alternative APN	`3-0116-7509-00-0049.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,888 sqft Living Area
Gross Area	3,812 sqft
1st Floor Area	1,747 sqft
Basement Area	1,665 sqft
Finished Basement	1,141 sqft
Unfinished Basement	524 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	178 sqft
Deck Area	Deck Area
Patio Area	288 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973000643
Street Address	28 ARBOR POINT CT
City	SAINT CHARLES
State	MO
Zip	63303-5301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF1
Legal Description	SUMMIT AT ST CHAS LOT 49
Legal Subdivision	SUMMIT AT ST CHAS
Legal Lot Number	49
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 13, 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	28 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Oct 7, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jun 5, 2018	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019 · Amount on Record
Deed Sale	Oct 7, 2019 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	2019555600
Deed Book / Page	7157 / 15
Prior Transfer Date	Sep 25, 2019
Prior Transfer Doc	0071570015
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072810147
Date	Apr 28, 2020
Book Page	7281/147
Instrument	20200428000267450

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 7, 2019
Property Address	28 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Document Number	0071570015
Book / Page	7157 / 0015
Map Reference	MB 33 PG 180
Instrument Date	Sep 25, 2019
Instrument	20191007000555600
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301

Mortgage

Document Number	20191007000555610
Date	Oct 7, 2019
Instrument	20191007000555610

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 5, 2018
Property Address	28 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Document Number	0069292184
Book / Page	6929 / 2184
Map Reference	MB 33 PG 180
Instrument Date	May 31, 2018
Instrument	20180605000313420
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 ESPLANADE, 166, BRIGHTON, XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301

Mortgage

Document Number	20180605000313430
Date	Jun 5, 2018
Instrument	20180605000313430

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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

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
2025	$4,035.00 (+3.97%)	$70,097 (+7.06%)	$368,932 (+7.06%) Land $75,000 Building $293,932
2024	$3,881.00
2023		$65,472
2022			$344,590 Land $55,000 Building $289,590

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	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wisper ISP.

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