677 Summit Rd, Fenton, MO 63026 Property Records

St. Louis County property record for 677 Summit Rd, Fenton, MO 63026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,270 sqft · built 2020
Lot Size	0.508 acres (22,128 sqft)
Owner	2 Individual Names on File
Last Sale	$624,900 (Nov 2021)
Tax Bill	$8,402 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29P-61-0687`

Property Details

APN / Parcel Number

Primary APN	`29P-61-0687`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,270 sqft Living Area
Gross Area	2,922 sqft
1st Floor Area	2,270 sqft
Basement Area	1,000 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	22,128 sqft (0.508 acres)
Lot Dimensions	85 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	60 sqft
Deck Area	192 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	677 SUMMIT RD
City	FENTON
State	MO
Zip	63026-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SUMMIT WOODS ESTATES LOT 3
Legal Subdivision	SUMMIT WOODS ESTATES
Legal Lot Number	3
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	1
Census Block	1019
Census Tract	221424

Owner

677 Summit Rd is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	677 SUMMIT RD, FENTON, MO 63026-3912
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Jun 29, 2020	Deed of Trust, Mortgage · Construction Mortgage ROCKWOOD BANK
Nov 2, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CARROLLTON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2021 · Amount on File
Deed Sale	Nov 2, 2021 · Amount on File
Deed Document Number	2021507
Deed Book / Page	25196 / 2967
Prior Transfer Date	Apr 8, 1998
Prior Transfer Doc	0000000640
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	677 SUMMIT RD, FENTON, MO 63026-3912
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 SUMMIT RD, FENTON, MO 63026-3912

Mortgage

Document Number	2022092000070
Date	Sep 20, 2022
Instrument	2022092000070

Lender

Name	UMB BANK NA
Type	Bank
Address	ARNOLD, MO 63010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	677 SUMMIT RD, FENTON, MO 63026-3912
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	ORNTIC ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 454, BALLWIN, MO 63022-0454

Mortgage

Document Number	0241104066
Date	Jun 29, 2020
Book Page	24110/4066
Instrument	2020062900579

Lender

Name	ROCKWOOD BANK
Type	Bank
Address	EUREKA, MO 63025

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	May 18, 2021

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Nov 2, 2021
Property Address	677 SUMMIT RD, FENTON, MO 63026-3912
Document Number	0251962967
Book / Page	25196 / 2967
Map Reference	MB 366 PG 154
Instrument Date	Oct 22, 2021
Instrument	2021110200507
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2022
Title Company	TITLE PARTNERS AGENCY LLC

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
Address	PO BOX 454, BALLWIN, MO 63022-0454

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 SUMMIT RD, FENTON, MO 63026-3912

Mortgage

Document Number	2021110200508
Date	Nov 2, 2021
Instrument	2021110200508

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 677 Summit Rd was $8,402, down 1.1% 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	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,990 (-) Land $29,410 Building $86,580	$610,500 (-) Land $154,800 Building $455,700
2025	$8,402.00 (-1.07%)	$115,990 Land $29,410 Building $86,580	$610,500 Land $154,800 Building $455,700
2024	$8,493.00 (+0.08%)
2023	$8,486.00	$114,680 Land $22,950 Building $91,730	$603,600 Land $120,800 Building $482,800

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 677 Summit Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1985.

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
Nearby Flood Claims	12 (1985–2019)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Aug 2019 · other causes
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 claims Severe Storms & Flooding, Sep 1993 · 7 claims

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 677 Summit Rd 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 96% of the US · lower than 94% 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	FRONTIER ESTATES private · serves 120 people · EPA ID MO6036101
Water Source	Groundwater
Last State Inspection	Mar 2026
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2023
Treatment and Procedure	Sanitary survey deficiency not corrected Sep 2015
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 235 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 Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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