St. Louis County property record for 431 Summit Tree Ct, Fenton, MO 63026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,578 sqft · built 2001 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $227,000 (Dec 2021) |
| Tax Bill | $3,360 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28O-22-0312 |
| Primary APN | 28O-22-0312 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,578 sqft Living Area |
| Gross Area | 1,798 sqft |
| 1st Floor Area | 883 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 33 ft deep x 34 ft wide |
| View / Lot | Cul-De-Sac |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 431 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 67 |
| Legal Subdivision | SUMMIT RIDGE |
| Legal Lot Number | 67 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | BONHOMME |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 221424 |
431 Summit Tree Ct is owned and occupied 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 | 431 SUMMIT TREE CT, FENTON, MO 63026-3574 |
| 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.
| Date | Document |
|---|---|
| Dec 21, 2021 | Warranty Deed, Transfer · VA Mortgage PENTAGON FCU |
| Aug 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Sep 18, 2017 | Warranty Deed, Transfer REGIONS MTG |
| Sep 19, 2017 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2021 · Amount on File |
| Deed Sale | Dec 21, 2021 · Amount on File |
| Prior Sale | Sep 19, 2017 · Amount on File |
| Deed Document Number | 2021874 |
| Deed Book / Page | 25284 / 4952 |
| Prior Transfer Date | Aug 16, 2017 |
| Prior Transfer Doc | 02270002125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Dec 21, 2021 |
| Property Address | 431 SUMMIT TREE CT, FENTON, MO 63026-3574 |
| Document Number | 0252844952 |
| Book / Page | 25284 / 4952 |
| Map Reference | MB 348 PG 655 |
| Instrument Date | Dec 16, 2021 |
| Instrument | 2021122100874 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3577 LEBARON DR, 3577, ARNOLD, MO 63010-3544 |
| Name | Verified Name |
|---|---|
| Address | 431 SUMMIT TREE CT, FENTON, MO 63026-3574 |
| Document Number | 2021122100875 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 2021122100875 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 431 SUMMIT TREE CT, FENTON, MO 63026-3574 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 431 SUMMIT TREE CT, FENTON, MO 63026-3574 |
| Document Number | 0241724675 |
|---|---|
| Date | Aug 5, 2020 |
| Book Page | 24172/4675 |
| Instrument | 2020080500376 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jul 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Sep 18, 2017 |
| Property Address | 431 SUMMIT TREE CT, FENTON, MO 63026-3574 |
| Document Number | 0226980250 |
| Book / Page | 022698 / 000250 |
| Instrument Date | Sep 12, 2017 |
| Instrument | 179 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2017 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 SUMMIT TREE CT FENTON MO 630263574, FENTON, MO 63026-3574 |
| Document Number | 226980253 |
|---|---|
| Date | Sep 18, 2017 |
| Book Page | 022698/000253 |
| Instrument | 180 |
| Name | REGIONS MTG |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35244 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Sep 17, 2037 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Sep 19, 2017 |
| Property Address | 431 SUMMIT TREE CT, FENTON, MO 63026-3574 |
| Document Number | 0227002125 |
| Book / Page | 022700 / 002125 |
| Instrument Date | Aug 16, 2017 |
| Instrument | 527 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 135 HARBOR AVE BRIDGEPORT CT 066053163, BRIDGEPORT, CT 06605-3163 |
The 2025 property tax bill for 431 Summit Tree Ct was $3,360, up 9.8% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Unified School District | Lindbergh School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $47,980 (-) Land $10,550 Building $37,430 | $252,500 (-) Land $55,500 Building $197,000 | |
| 2025 | $3,360.00 (+9.77%) | $47,980 Land $10,550 Building $37,430 | $252,500 Land $55,500 Building $197,000 |
| 2024 | $3,061.00 (+0.2%) | ||
| 2023 | $3,055.00 (+11.66%) | $42,690 (+15.04%) Land $5,680 Building $37,010 | $224,700 Land $29,900 Building $194,800 |
| 2022 | $2,736.00 | $37,110 Land $9,730 Building $27,380 | |
| 2021 | $195,300 Land $51,200 Building $144,100 |
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.
FEMA maps place 431 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 risk around 431 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.
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 |
| 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.
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 |
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