12 Summer Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 12 Summer Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,389 sqft · built 2014
Lot Size	4.47 acres (194,713 sqft)
Owner	Individual Name on Record
Last Sale	$568,575 (Apr 2026)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`327900B012`

Property Details

APN / Parcel Number

Primary APN	`327900B012`
Alternative APN	`2-0033-5266-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,389 sqft Living Area
Gross Area	4,340 sqft
1st Floor Area	1,809 sqft
Basement Area	1,809 sqft
Finished Basement	1,580 sqft
Unfinished Basement	229 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Siding
Lot Area	194,713 sqft (4.47 acres)
Garage Type	Attached
Garage Area	722 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	327900B012
Street Address	12 SUMMER CT
City	O FALLON
State	MO
Zip	63366-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ST PAUL EST #1 LOT 12
Legal Subdivision	ST PAUL EST #1
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2003
Census Tract	311801

Owner

Source: St. Charles County records, as of April 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12 SUMMER CT, O FALLON, MO 63366-1007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Affidavit, Transfer
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jul 6, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST INTEGRITY MORTGAGE SERVICES I
Jul 6, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST INTEGRITY MORTGAGE SERVICES I
Nov 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Jul 6, 2021 · Amount on Record
Deed Document Number	202615805
Prior Transfer Date	Apr 3, 2026
Prior Transfer Doc	0000015804
Record Updated	Jun 8, 2026

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2026
Property Address	12 SUMMER CT, O FALLON, MO 63366-1007
Document Number	0000015804
Instrument Date	Apr 3, 2026
Instrument	202615804
Transaction Type	Transfer
Record Updated	Aug 12, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SUMMER CT, O FALLON, MO 63366-1007

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2026
Property Address	12 SUMMER CT, O FALLON, MO 63366-1007
Document Number	0000015805
Instrument Date	Apr 2, 2026
Instrument	202615805
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SUMMER CT, O FALLON, MO 63366-1007

Mortgage

Document Number	0000015806,
Date	Apr 6, 2026
Instrument	202615806

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 6, 2021
Property Address	12 SUMMER CT, O FALLON, MO 63366-1007
Document Number	2021R056775
Map Reference	MB 20 PG 108
Instrument Date	Jul 1, 2021
Instrument	2021R-056775
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 SUMMER CT, 12, O FALLON, MO 63366-1007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SUMMER CT, O FALLON, MO 63366-1007

Mortgage

Document Number	2021R056776
Date	Jul 6, 2021
Instrument	2021R-056776

Lender

Name	FIRST INTEGRITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 6, 2021
Property Address	12 SUMMER CT, O FALLON, MO 63366-1007
Document Number	0000056775
Map Reference	MB 20 PG 108
Instrument Date	Jul 1, 2021
Instrument	2021R-056775
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 SUMMER CT, O FALLON, MO 63366-1007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SUMMER CT, O FALLON, MO 63366-1007

Mortgage

Document Number	0000056776
Date	Jul 6, 2021
Instrument	2021R-056776

Lender

Name	FIRST INTEGRITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 SUMMER CT, O FALLON, MO 63366-1007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068331104
Date	Nov 2, 2017
Book Page	6833/1104
Instrument	20171102000689090

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2042

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,092.00 (+4.97%)	$83,530 (+7.98%)	$439,632 (+7.98%) Land $93,870 Building $345,762
2024	$4,851.00
2023		$77,355
2022			$407,131 Land $93,870 Building $313,261

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 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 9 (5% premium discount)
Nearby Flood Policies	2 in force

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 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.04% 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	ST PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon, Wisper ISP.

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