965 Summit Oaks Dr, Eureka, MO 63025 Property Records

St. Louis County property record for 965 Summit Oaks Dr, Eureka, MO 63025

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,724 sqft · built 2007
Lot Size	0.293 acres (12,763 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Sep 2023)
Tax Bill	$7,604 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29W-12-0132`

Property Details

APN / Parcel Number

Primary APN	`29W-12-0132`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,724 sqft Living Area
Gross Area	3,460 sqft
1st Floor Area	2,704 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Frame/Masonry
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,763 sqft (0.293 acres)
Lot Dimensions	166 ft deep x 50 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	90 sqft
Deck Area	225 sqft
Patio Area	225 sqft
Balcony Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	965 SUMMIT OAKS DR
City	EUREKA
State	MO
Zip	63025-1094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	98R2CUP
Legal Description	ASHTON WOODS PLAT ONE LOT 133C
Legal Subdivision	ASHTON WOODS PLAT ONE
Legal Lot Number	133C
Jurisdiction	ST LOUIS MO
Township / Civil Division	MERAMEC
Census Block Group	1
Census Block	1068
Census Tract	221503

Owner

Source: St. Louis County records, as of October 8, 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	965 SUMMIT OAKS DR, EUREKA, MO 63025-1094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK NA
May 30, 2019	Warranty Deed, Transfer MONTGOMERY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	May 30, 2019 · Amount on Record
Deed Document Number	2023920300
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 20, 2023
Property Address	965 SUMMIT OAKS DR, EUREKA, MO 63025-1094
Document Number	2023092000300
Map Reference	MB 354 PG 990
Instrument Date	Sep 14, 2023
Instrument	2023092000300
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Amount	Amount Recorded
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	1031 HIGHLANDS PLAZA DR W, SAINT LOUIS, MO 63110-1312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 SUMMIT OAKS DR, EUREKA, MO 63025-1094

Mortgage

Document Number	2023092000301
Date	Sep 20, 2023
Instrument	2023092000301

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Oct 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Margin	3
Max Rate	11.7%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	965 SUMMIT OAKS DR, EUREKA, MO 63025-1094
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	HILLSBORO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 SUMMIT OAKS DR, EUREKA, MO 63025-1094

Mortgage

Document Number	0244381110
Date	Nov 13, 2020
Book Page	24438/1110
Instrument	2020111300854

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank
Address	MOUNT VERNON, IL 62864

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	May 30, 2019
Property Address	965 SUMMIT OAKS DR, EUREKA, MO 63025-1094
Document Number	0235461685
Book / Page	023546 / 001685
Instrument Date	May 24, 2019
Instrument	228
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	HILLSBORO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	965 SUMMIT OAKS DR EUREKA MO 630251094, EUREKA, MO 63025-1094

Mortgage

Document Number	235461689
Date	May 30, 2019
Book Page	023546/001689
Instrument	229

Lender

Name	MONTGOMERY BK
Type	Bank
Address	SIKESTON, MO 63801

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 29, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Eureka City
Unified School District	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,990 (-) Land $22,990 Building $82,000	$552,600 (-) Land $121,000 Building $431,600
2025	$7,604.00 (+7.17%)	$104,990 (+10.47%) Land $22,990 Building $82,000	$552,600 (+10.48%) Land $121,000 Building $431,600
2024	$7,095.00 (-0.08%)
2023	$7,101.00	$95,040 Land $9,580 Building $85,460	$500,200 Land $50,400 Building $449,800

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

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
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	15 (1983–2017)
Most Recent Claim	May 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 4 claims Severe Storms And Flooding, Mar 2008 · 4 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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