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

St. Charles County property record for 32 Arbor Point Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,729 sqft · built 1996
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$261,200 (Apr 2008)
Tax Bill	$3,906 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A973000645`

Property Details

APN / Parcel Number

Primary APN	`A973000645`
Alternative APN	`3-0116-7509-00-0051.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,729 sqft Living Area
Gross Area	3,522 sqft
1st Floor Area	1,610 sqft
Basement Area	1,492 sqft
Finished Basement	1,119 sqft
Unfinished Basement	373 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	68 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973000645
Street Address	32 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 51
Legal Subdivision	SUMMIT AT ST CHAS
Legal Lot Number	51
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	Individual Name on Record
Mailing Address	32 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 16, 2020	Deed of Trust, Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2008 · Amount on Record
Deed Sale	Apr 28, 2008 · Amount on Record
Prior Sale	Feb 16, 2007 · Amount on Record
Deed Document Number	2008307810
Deed Book / Page	4977 / 1198
Prior Transfer Date	Mar 23, 2008
Prior Transfer Doc	0049771198
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	32 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301

Mortgage

Document Number	2021R074104
Date	Sep 2, 2021
Instrument	2021R-074104

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	32 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301

Mortgage

Document Number	0070221810
Date	Jan 7, 2019
Book Page	7022/1810
Instrument	20190107000007320

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	32 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	0071830994
Date	Nov 18, 2019
Book Page	7183/0994
Instrument	20191118000657590

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	32 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Document Number	0000090999
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	32 ARBOR POINT CT ST CHARLES MO 633035301, ST CHARLES, MO 63303-5301

Mortgage

Document Number	0000090999
Date	Nov 23, 2020
Instrument	90999

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	ST LOUIS, MO 63005-8001

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2050

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	$3,906.00 (+4.27%)	$67,847 (+7.39%)	$357,089 (+7.39%) Land $75,000 Building $282,089
2024	$3,746.00
2023		$63,180
2022			$332,529 Land $55,000 Building $277,529

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.

Nearby Properties on Arbor Point Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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