4 Fort Sumter Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 4 Fort Sumter Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,800 sqft · built 1978
Lot Size	0.258 acres (11,232 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Feb 2020)
Tax Bill	$5,308 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`450000C025`

Property Details

APN / Parcel Number

Primary APN	`450000C025`
Alternative APN	`3-0015-5321-00-0273.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,800 sqft Living Area
Gross Area	4,390 sqft
1st Floor Area	1,376 sqft
Basement Area	1,276 sqft
Finished Basement	1,148 sqft
Unfinished Basement	128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Stone
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,232 sqft (0.258 acres)
Lot Dimensions	216 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	450000C025
Street Address	4 FORT SUMTER CT
City	SAINT CHARLES
State	MO
Zip	63303-6146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AB8
Legal Description	HERITAGE #10 LOT 273
Legal Subdivision	HERITAGE #10
Legal Lot Number	273
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2000
Census Tract	311145

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	2 Individual Names on Record
Mailing Address	4 FORT SUMTER CT, SAINT CHARLES, MO 63303-6146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 18, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Nov 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 21, 2017	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF ST ANNE
Mar 23, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2020 · Amount on Record
Deed Sale	Feb 18, 2020 · Amount on Record
Prior Sale	Dec 3, 2018
Deed Document Number	202094650
Deed Book / Page	7231 / 2162
Prior Transfer Date	Nov 28, 2018
Prior Transfer Doc	0000673720
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 FORT SUMTER CT, SAINT CHARLES, MO 63303-6146
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 FORT SUMTER CT, SAINT CHARLES, MO 63303-6146

Mortgage

Document Number	0000068105
Date	Aug 13, 2021
Instrument	2021R-068105

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 18, 2020
Property Address	4 FORT SUMTER CT, SAINT CHARLES, MO 63303-6146
Document Number	0072312162
Book / Page	7231 / 2162
Map Reference	MB 20 PG 196
Instrument Date	Feb 12, 2020
Instrument	20200218000094650
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44 WOODS HILL DR, 44, SAINT CHARLES, MO 63303-6639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 FORT SUMTER CT, SAINT CHARLES, MO 63303-6146

Mortgage

Document Number	20200218000094660
Date	Feb 18, 2020
Instrument	20200218000094660

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2018
Property Address	4 FORT SUMTER CT, SAINT CHARLES, MO 63303-6146
Document Number	0070082230
Book / Page	007008 / 002230
Instrument Date	Oct 31, 2018
Instrument	671720
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 FORT SUMTER CT ST CHARLES MO 633036146, ST CHARLES, MO 63303-6146

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 21, 2017
Property Address	4 FORT SUMTER CT, SAINT CHARLES, MO 63303-6146
Document Number	0068561055
Book / Page	6856 / 1055
Map Reference	MB 20 PG 196
Instrument Date	Dec 15, 2017
Instrument	20171221000786260
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	956 LAFAYETTE LANDING DR, SAINT CHARLES, MO 63303-1744

Mortgage

Document Number	20171221000786270
Date	Dec 21, 2017
Instrument	20171221000786270

Lender

Name	NATIONAL BANK OF ST ANNE
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2017
Property Address	4 FORT SUMTER CT, SAINT CHARLES, MO 63303-6146
Document Number	0067160375
Book / Page	006716 / 000375
Instrument Date	Mar 9, 2017
Instrument	172590
Transaction Type	Foreclosure
Record Updated	Mar 29, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	814 EVERGREEN FOREST DR ST PETERS MO 633764313, ST PETERS, MO 63376-4313

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,572 (-)	$466,166 (-) Land $80,000 Building $386,166
2025	$5,308.00 (+9.49%)	$88,572 (+12.86%)	$466,166 (+12.86%) Land $80,000 Building $386,166
2024	$4,848.00 (+9.63%)
2023		$78,480 (+18.21%)
2022	$4,422.00	$66,388	$413,053 (+18.22%) Land $70,000 Building $343,053
2021			$349,408 Land $70,000 Building $279,408

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

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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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