409 Summit Tree Ct, Fenton, MO 63026 Property Records

St. Louis County property record for 409 Summit Tree Ct, Fenton, MO 63026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,670 sqft · built 2000
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Dec 2021)
Tax Bill	$3,527 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28O-22-0396`

Property Details

APN / Parcel Number

Primary APN	`28O-22-0396`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,670 sqft Living Area
Gross Area	1,890 sqft
1st Floor Area	753 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	33 ft deep x 33 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	102 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Balcony Area	21 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 SUMMIT TREE CT
City	FENTON
State	MO
Zip	63026-3574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6A
Legal Description	SUMMIT RIDGE LOT 75
Legal Subdivision	SUMMIT RIDGE
Legal Lot Number	75
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	3
Census Block	3009
Census Tract	221424

Owner

409 Summit Tree Ct is owned by an individual who bought it in December 2021.

Source: St. Louis County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	914 WINTER LAKE DR, FENTON, MO 63026-8003
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	Dec 14, 2021 · Amount on File
Deed Sale	Dec 14, 2021 · Amount on File
Prior Sale	Dec 14, 2021 · Amount on File
Deed Document Number	2021439
Deed Book / Page	25268 / 2804
Prior Transfer Date	Dec 1, 2021
Prior Transfer Doc	0000000438
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Dec 14, 2021
Property Address	409 SUMMIT TREE CT, FENTON, MO 63026-3574
Document Number	0252682804
Book / Page	25268 / 2804
Map Reference	MB 348 PG 655
Instrument Date	Dec 3, 2021
Instrument	2021121400439
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FREEDOM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SUMMIT TREE CT, FENTON, MO 63026-3574

Mortgage

Document Number	2021121400440
Date	Dec 14, 2021
Instrument	2021121400440

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 409 Summit Tree Ct was $3,527, up 10.4% from the year before.

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Unified School District	Lindbergh School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,390 (-) Land $10,340 Building $40,050	$265,200 (-) Land $54,400 Building $210,800
2025	$3,527.00 (+10.36%)	$50,390 Land $10,340 Building $40,050	$265,200 Land $54,400 Building $210,800
2024	$3,196.00 (+0.22%)
2023	$3,189.00 (+9.4%)	$44,580 (+12.75%) Land $5,570 Building $39,010	$234,600 Land $29,300 Building $205,300
2022	$2,915.00	$39,540 Land $9,540 Building $30,000
2021			$208,100 Land $50,200 Building $157,900

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 409 Summit Tree Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 10, 2025 · 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 Policies	4 in force

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

Wildfire risk around 409 Summit Tree Ct is low, with less than a 0.01% annual chance of 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	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	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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20