St. Charles County property record for 54 Summit Pointe Ct, Saint Charles, MO 63301
| Property Type | Row House |
|---|---|
| Details | 2 bd · 3 ba · 1,490 sqft · built 1998 |
| Lot Size | 0.069 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Feb 2005) |
| Deeds & Mortgages | Mar 2020 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T990700007 |
| Primary APN | T990700007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,490 sqft Living Area |
| 1st Floor Area | 1,490 sqft |
| Basement Area | 1,428 sqft |
| Finished Basement | 714 sqft |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Spanish |
| Exterior Material | Brick Veneer |
| Lot Area | 3,049 sqft (0.069 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 42 sqft |
| Patio Area | 128 sqft |
| Account Number | T990700007 |
|---|---|
| Old Parcel Number | T990700007 |
| Street Address | 54 SUMMIT POINTE CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0583 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Row House |
| Legal Description | VILLAS AT SUMMIT PT #1 RESUB 8 UNIT 8A |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | VILLAS AT SUMMIT POINTE #1 RESUB 8 |
| Legal Lot Number | 8A |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310301 |
Source: St. Charles County assessment roll, as of July 1, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 54 SUMMIT POINTE CT, SAINT CHARLES, MO 63301-0583 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2020 | Deed of Trust, Mortgage FIRST FINANCIAL FCU |
| Dec 16, 2020 | Deed of Trust, Mortgage NEW AMERICAN FNDG |
| Apr 1, 2019 | Deed of Trust, Mortgage PHH MTG SVCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2005 · Amount on Record |
| Deed Sale | Feb 28, 2005 · Amount on Record |
| Deed Document Number | 0041092015 |
| Deed Book / Page | 4109 / 2015 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 54 SUMMIT POINTE CT, SAINT CHARLES, MO 63301-0583 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072572161 |
|---|---|
| Date | Mar 27, 2020 |
| Book Page | 7257/2161 |
| Instrument | 20200327000191990 |
| Name | FIRST FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | WENTZVILLE, MO 63385 |
| Amount | Amount Recorded |
|---|---|
| Term | 97 Months |
| Due | Apr 11, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 54 SUMMIT POINTE CT, SAINT CHARLES, MO 63301-0583 |
| Document Number | 0000101176 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 54 SUMMIT POINTE CT ST CHARLES MO 633010583, ST CHARLES, MO 63301-0583 |
| Document Number | 0000101176 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 101176 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Dec 22, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 54 SUMMIT POINTE CT, SAINT CHARLES, MO 63301-0583 |
| Document Number | 0070570825 |
| Instrument Date | Apr 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2019 |
| Title Company | CONVENIENT CLOSING SERVICES, CONVENIENT CLOSING SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 54 SUMMIT POINTE CT #8A ST CHARLES MO 633010583, 8A, ST CHARLES, MO 63301-0583 |
| Document Number | 0070570825 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 007057/000825 |
| Instrument | 160340 |
| Name | PHH MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 9, 2049 |
Source: St. Charles County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $48,275 | |
| 2022 | $254,079 Building $254,079 |
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.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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