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

St. Charles County property record for 4 Arbor Point Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,693 sqft · built 1996
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Tax Bill	$3,825 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A973000631`

Property Details

APN / Parcel Number

Primary APN	`A973000631`
Alternative APN	`3-0116-7509-00-0037.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,693 sqft Living Area
Gross Area	3,802 sqft
1st Floor Area	1,693 sqft
Basement Area	1,659 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	10,890 sqft (0.25 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	65 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A973000631
Street Address	4 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 37
Legal Subdivision	SUMMIT AT ST CHAS
Legal Lot Number	37
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 7, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2018	Deed of Trust, Mortgage COMMERCE BANK
Nov 28, 2020	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 4, 2015
Transfer Doc	0063210894
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 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	0069652501
Date	Aug 21, 2018
Book Page	6965/2501
Instrument	20180821000478370

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Aug 14, 2030

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 ARBOR POINT CT, SAINT CHARLES, MO 63303-5301
Document Number	0000095224
Instrument Date	Nov 28, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4 ARBOR POINT CT ST CHARLES MO 633035301, ST CHARLES, MO 63303-5301

Mortgage

Document Number	0000095224
Date	Dec 7, 2020
Instrument	95224

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 6, 2035

Tax Assessment & Valuation

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,429 (-)	$349,625 (-) Land $75,000 Building $274,625
2025	$3,825.00 (+4.37%)	$66,429 (+7.48%)	$349,625 (+7.48%) Land $75,000 Building $274,625
2024	$3,665.00
2023		$61,808
2022			$325,305 Land $55,000 Building $270,305

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 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% 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	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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