5840 Summers Ln, Cedar Hill, MO 63016 Property Records

Jefferson County property record for 5840 Summers Ln, Cedar Hill, MO 63016

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,438 sqft · built 2003
Lot Size	3.43 acres (149,411 sqft)
Owner	2 Individual Names on Record
Last Sale	$306,300 (Oct 2006)
Tax Bill	$3,178 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-4.0-20.0-0-000-037.03`

Property Details

APN / Parcel Number

Primary APN	`06-4.0-20.0-0-000-037.03`
Alternative APN	`0640200 03703`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,438 sqft Living Area
Gross Area	2,838 sqft
1st Floor Area	1,393 sqft
Basement Area	1,045 sqft
Finished Basement	1,045 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Lot Area	149,411 sqft
Garage Type	Attached
Garage Area	400 sqft
Porch	Open Frame Porch
Porch Area	189 sqft
Patio Area	647 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5840 SUMMERS LN
City	CEDAR HILL
State	MO
Zip	63016-4034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR2
Legal Description	INDEPENDENT FRIENDS LOT 2
Legal Range	3E
Legal Township	42N
Legal Section	20
Legal Subdivision	INDEPENDENT FRIENDS
Legal Block	2
Legal Lot Number	2
Jurisdiction	JEFFERSON MO
Township / Civil Division	MERAMEC
Census Block Group	2
Census Block	2014
Census Tract	700401

Owner

Source: Jefferson County records, as of August 25, 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	5840 SUMMERS LN, CEDAR HILL, MO 63016-4034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 25, 2024	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Dec 5, 2019	Deed of Trust, Mortgage · Line of Credit WEST CMNTY CU
Sep 13, 2019	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2006 · Amount on Record
Deed Sale	Oct 4, 2006 · Amount on Record
Prior Sale	May 5, 2003
Deed Document Number	200648683
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	5840 SUMMERS LN, CEDAR HILL, MO 63016-4034
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5840 SUMMERS LN, CEDAR HILL, MO 63016-4034

Mortgage

Document Number	0000024489
Date	Sep 25, 2025
Instrument	2025R-024489

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	5840 SUMMERS LN, CEDAR HILL, MO 63016-4034
Transaction Type	Mortgage
Record Updated	May 10, 2024
Title Company	INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO CLAYTON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5840 SUMMERS LN, CEDAR HILL, MO 63016-4034

Mortgage

Document Number	0000009792
Date	Apr 25, 2024
Instrument	2024R-009792

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	5840 SUMMERS LN, CEDAR HILL, MO 63016-4034
Document Number	0000039269
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	COPPER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5840 SUMMERS LN CEDAR HILL MO 630164034, CEDAR HILL, MO 63016-4034

Mortgage

Document Number	0000039269
Date	Dec 13, 2019
Instrument	39269

Lender

Name	WEST CMNTY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 12, 2034

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	5840 SUMMERS LN, CEDAR HILL, MO 63016-4034
Document Number	0000028799
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 7, 2019
Title Company	COPPER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5840 SUMMERS LN CEDAR HILL MO 630164034, CEDAR HILL, MO 63016-4034

Mortgage

Document Number	0000028799
Date	Sep 19, 2019
Instrument	28799

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 18, 2034

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Northwest R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,500 (-) Land $5,000 Building $37,500	$223,700 (-) Land $26,300 Building $197,400
2025	$3,178.00 (+5.93%)	$42,500 (+7.32%) Land $5,000 Building $37,500	$223,700 (-) Land $26,300 Building $197,400
2024	$3,000.00 (+0.33%)		$223,700 (+7.39%) Land $26,300 Building $197,400
2023	$2,990.00	$39,600 Land $5,000 Building $34,600	$208,300 Land $26,300 Building $182,000

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 October 2, 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	1 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2015 · rainfall accumulation

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	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Brown Dog Networks Fixed Wireless	50 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Verizon.

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