523 S Summit Dr, Holts Summit, MO 65043 Property Records

Callaway County property record for 523 S Summit Dr, Holts Summit, MO 65043

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,302 sqft · built 1965
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$278,103 (Aug 2026)
Tax Bill	$1,350 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-07.0-25.0-30-003-022.000`

Property Details

APN / Parcel Number

Primary APN	`25-07.0-25.0-30-003-022.000`
Alternative APN	`2507025030003020000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,302 sqft Living Area
1st Floor Area	1,702 sqft
Basement Area	1,702 sqft
Finished Basement	62 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Geodesic/Dome
Roof Material	Fiberglass
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	20 ft deep x 10 ft wide
Porch	Slab
Porch Area	48 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2507025030003022000
Street Address	523 S SUMMIT DR
City	HOLTS SUMMIT
State	MO
Zip	65043-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 100 X 200-PARCEL SW
Legal Range	11W
Legal Township	45N
Legal Section	25
Legal Lot Number	100
Jurisdiction	CALLAWAY MO
Township / Civil Division	SUMMIT
Census Block Group	3
Census Block	3012
Census Tract	70800

Owner

Source: Callaway County records, as of September 1, 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	523 S SUMMIT DR, HOLTS SUMMIT, MO 65043-1449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION
Jun 15, 2023	Deed of Trust, Mortgage · Line of Credit THE CENTRAL TRUST BANK
Oct 1, 2025	Warranty Deed, Transfer · Non-Conforming Investor Loan THE CENTRAL TRUST BANK
Jun 7, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	Oct 1, 2025 · Amount on Record
Deed Document Number	20265044
Deed Book / Page	529 / 558
Prior Transfer Date	Jun 2, 2021
Prior Transfer Doc	0000493/68
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CALLAWAY MO
Recording Date	Aug 21, 2026
Property Address	523 S SUMMIT DR, HOLTS SUMMIT, MO 65043-1449
Document Number	0000005044
Book / Page	529 / 558
Instrument Date	Aug 14, 2026
Instrument	20265044
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 S SUMMIT DR, HOLTS SUMMIT, MO 65043-1449

Mortgage

Document Number	0000005045,
Date	Aug 21, 2026
Book Page	529/559
Instrument	20265045

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	523 S SUMMIT DR, HOLTS SUMMIT, MO 65043-1449
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000507/431
Date	Jun 15, 2023
Book Page	507/431
Instrument	202302939

Lender

Name	THE CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 14, 2043

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLAWAY MO
Recording Date	Oct 1, 2025
Property Address	523 S SUMMIT DR, HOLTS SUMMIT, MO 65043-1449
Document Number	000522/884
Book / Page	522 / 884
Instrument Date	Sep 30, 2025
Instrument	202505543
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	MIDWEST TITLE AND ESCROW INC, MIDWEST TITLE AND ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 S SUMMIT DR, HOLTS SUMMIT, MO 65043-1449

Mortgage

Document Number	0202505544
Date	Oct 1, 2025
Instrument	202505544

Lender

Name	THE CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALLAWAY MO
Recording Date	Jun 7, 2021
Property Address	523 S SUMMIT DR, HOLTS SUMMIT, MO 65043-1449
Document Number	0000493/68
Book / Page	493 / 68
Instrument Date	Jun 2, 2021
Instrument	202104403
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 S SUMMIT DR, HOLTS SUMMIT, MO 65043-1449

Tax Assessment & Valuation

Source: Callaway County assessment roll, as of January 15, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Callaway County
Municipality	Holts Summit City
Unified School District	Jefferson City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,350.00 (-2.46%)	$22,211 (-)	$116,900 (-)
2024	$1,384.00 (+0.07%)	$22,211 (-)	$116,900 (-)
2023	$1,383.00 (+2.14%)	$22,211 (+2.19%)	$116,900 (+2.19%)
2022	$1,354.00	$21,736 Land $2,223 Building $19,513
2021			$114,400 Land $11,700 Building $102,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 5, 2012 · 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	1 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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	CALLAWAY COUNTY PWSD 1 serves 9,840 people · EPA ID MO3024084
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	4 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	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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Callabyte Fiber	1,000 / 1,000
FireServe Fixed Wireless · not low latency	100 / 50

May also be available: Brightspeed, Wisper ISP.

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