Warren County property record for 686 Fort Sumpter Ct, Wright City, MO 63390
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,284 sqft · built 2017 |
| Lot Size | 0.446 acres (19,471 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,463 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Nov 2020 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-16.0-2-00-003.048.000 |
| Primary APN | 04-16.0-2-00-003.048.000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,284 sqft Living Area |
| Basement Area | 1,250 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,471 sqft (0.446 acres) |
| Garage Type | Attached |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 33 sqft |
| Deck Area | Deck Area |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 686 FORT SUMPTER CT |
|---|---|
| City | WRIGHT CITY |
| State | MO |
| Zip | 63390-2982 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 80 SPRING LAKES PLAT 3 SEC 16 TWP 47 RNG 1 |
| Legal Subdivision | SPRING LAKES |
| Legal Lot Number | 80 |
| Jurisdiction | WARREN MO |
| Township / Civil Division | HICKORY GROVE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 820108 |
686 Fort Sumpter Ct is owned and occupied by an individual who acquired it in June 2017.
Source: Warren County records, as of February 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 686 FORT SUMPTER CT, WRIGHT CITY, MO 63390-2982 |
| 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 |
|---|---|
| May 9, 2017 | Deed of Trust, Mortgage 1ST ADVANTAGE BANK |
| Nov 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GERSHMAN INVESTMENT |
| Jun 30, 2017 | Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| May 1, 2017 | Warranty Deed, Transfer TITLE PARTNERS AGENCY |
| Apr 21, 2017 | Warranty Deed, Transfer TITLE PARTNERS AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2017 |
| Deed Sale | Jun 30, 2017 |
| Prior Sale | May 1, 2017 |
| Deed Document Number | 201703904 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN MO |
| Property Address | 686 FORT SUMPTER CT, WRIGHT CITY, MO 63390-2982 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201702784 |
|---|---|
| Date | May 9, 2017 |
| Instrument | 201702784 |
| Name | 1ST ADVANTAGE BANK |
|---|---|
| Type | Bank |
| Address | SAINT PETERS, MO 63376 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN MO |
| Property Address | 686 FORT SUMPTER CT, WRIGHT CITY, MO 63390-2982 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INVESTORS TITLE |
| Name | Verified Name |
|---|
| Document Number | 202009094 |
|---|---|
| Date | Nov 25, 2020 |
| Instrument | 202009094 |
| Name | GERSHMAN INVESTMENT |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN MO |
| Recording Date | Jun 30, 2017 |
| Property Address | 686 FORT SUMPTER CT, WRIGHT CITY, MO 63390-2982 |
| Document Number | 201703904 |
| Map Reference | PL SL C-341 AND C-42 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 201703904 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 YELLOWSTONE CT, 10, SAINT PETERS, MO 63376-2074 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 686 FORT SUMPTER CT, WRIGHT CITY, MO 63390-2982 |
| Document Number | 201703905 |
|---|---|
| Date | Jun 30, 2017 |
| Instrument | 201703905 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN MO |
| Recording Date | May 1, 2017 |
| Property Address | 686 FORT SUMPTER CT, WRIGHT CITY, MO 63390-2982 |
| Document Number | 201702630 |
| Map Reference | PL SL C-341 & C-342 |
| Instrument Date | Apr 18, 2017 |
| Instrument | 201702630 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | TITLE PARTNERS AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 YELLOWSTONE CT, SAINT PETERS, MO 63376-2074 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN MO |
| Recording Date | Apr 21, 2017 |
| Property Address | 686 FORT SUMPTER CT, WRIGHT CITY, MO 63390-2982 |
| Document Number | 201702420 |
| Map Reference | PL SL C-341 AND C-34 |
| Instrument Date | Apr 18, 2017 |
| Instrument | 201702420 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | TITLE PARTNERS AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 340, SAINT PETERS, MO 63376-0006 |
| Name | Verified Name |
|---|---|
| Address | 10 YELLOWSTONE CT, SAINT PETERS, MO 63376-2074 |
The 2025 property tax bill for 686 Fort Sumpter Ct was $2,463.
Source: Warren County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Warren County |
| Municipality | Wright City |
| Unified School District | Wright City R-II of Warren County (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,463.00 | $34,608 (+13%) Land $5,565 Building $29,043 | $182,150 Land $29,290 Building $152,860 |
| 2024 | $2,463.00 (+14.61%) | $30,626 (-) Land $4,925 Building $25,701 | |
| 2023 | $2,149.00 (+7.67%) | $30,626 (+8%) Land $4,925 Building $25,701 | $161,190 Land $25,920 Building $135,270 |
| 2022 | $1,996.00 | $28,358 Land $4,560 Building $23,798 | |
| 2021 | $149,250 Land $24,000 Building $125,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 686 Fort Sumpter Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 4, 2009
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 686 Fort Sumpter Ct is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | ST CHARLES CO PWSD #2 WRIGHT CITY serves 3,550 people · EPA ID MO6010874 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Also Mapped Here | ST CHARLES COUNTY PWSD 2 WARREN |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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