320 Gum Tree Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 320 Gum Tree Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 1976
Lot Size	0.205 acres (8,932 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Jun 2020)
Tax Bill	$3,594 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`093455A111`

Property Details

APN / Parcel Number

Primary APN	`093455A111`
Alternative APN	`6-006C-5031-00-0112.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,884 sqft Living Area
Gross Area	3,828 sqft
1st Floor Area	1,694 sqft
Basement Area	1,694 sqft
Finished Basement	190 sqft
Unfinished Basement	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,932 sqft (0.205 acres)
Lot Dimensions	116 ft deep x 77 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	296 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	093455A111
Street Address	320 GUM TREE DR
City	SAINT CHARLES
State	MO
Zip	63301-1294
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SUNNYBROOK PK #6 REVISED LOT 112
Legal Subdivision	SUNNYBROOK PK #6
Legal Lot Number	112
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	3
Census Block	3005
Census Tract	310602

Owner

320 Gum Tree Dr is owned and occupied by an individual who bought it in June 2020.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	320 GUM TREE DR, SAINT CHARLES, MO 63301-1294
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2020 · Amount on File
Deed Sale	Jun 12, 2020 · Amount on File
Prior Sale	Nov 12, 2019 · Amount on File
Deed Document Number	2020398820
Deed Book / Page	7319 / 318
Prior Transfer Date	May 24, 2018
Prior Transfer Doc	0069280402
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 12, 2020
Property Address	320 GUM TREE DR, SAINT CHARLES, MO 63301-1294
Document Number	0073190318
Book / Page	007319 / 000318
Instrument Date	Jun 11, 2020
Instrument	398820
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 GUM TREE DR ST CHARLES MO 633011294, ST CHARLES, MO 63301-1294

Mortgage

Document Number	73190321
Date	Jun 12, 2020
Book Page	007319/000321
Instrument	398830

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 320 Gum Tree Dr was $3,594, up 7.1% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,390 (-)	$302,054 (-) Land $60,000 Building $242,054
2025	$3,594.00 (+7.09%)	$57,390	$302,054 Land $60,000 Building $242,054
2024	$3,356.00
2023		$52,304
2022			$275,286 Land $60,000 Building $215,286

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

FEMA maps place 320 Gum Tree Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.

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	12 (1978–2012)
Claims Outside the SFHA	6 of 12
Most Recent Claim	May 2012 · rainfall accumulation

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

The area around 320 Gum Tree Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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