3 Summer Pointe Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 3 Summer Pointe Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,434 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individuals on Record
Last Sale	$380,000 (Sep 2021)
Tax Bill	$5,192 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A984000094`

Property Details

APN / Parcel Number

Primary APN	`A984000094`
Alternative APN	`4-0022-7753-00-0010.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,434 sqft Living Area
Gross Area	4,694 sqft
1st Floor Area	1,984 sqft
Basement Area	1,966 sqft
Finished Basement	1,450 sqft
Unfinished Basement	516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A984000094
Street Address	3 SUMMER POINTE CT
City	O FALLON
State	MO
Zip	63366-6310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	SUNSET RIDGE EST PH1 #1 LOT 10
Legal Subdivision	SUNSET RIDGE EST PH1 #1
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	4
Census Block	4000
Census Tract	311907

Owner

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

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

Owner of Record	2 Individuals on Record
Mailing Address	3 SUMMER POINTE CT, O FALLON, MO 63366-6310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Aug 6, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Aug 6, 2019 · Amount on Record
Deed Document Number	202173330
Prior Transfer Date	Jul 30, 2019
Prior Transfer Doc	0071182070
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 1, 2021
Property Address	3 SUMMER POINTE CT, O FALLON, MO 63366-6310
Document Number	2021R073330
Map Reference	MB 34 PG 134&135
Instrument Date	Aug 12, 2021
Instrument	2021R-073330
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 SUMMER POINTE CT, 3, O FALLON, MO 63366-6310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SUMMER POINTE CT, O FALLON, MO 63366-6310

Mortgage

Document Number	2021R073331
Date	Sep 1, 2021
Instrument	2021R-073331

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 6, 2019
Property Address	3 SUMMER POINTE CT, O FALLON, MO 63366-6310
Document Number	0071182070
Book / Page	7118 / 2070
Map Reference	MB 34 PG 134&135
Instrument Date	Jul 30, 2019
Instrument	20190806000409720
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 SUMMER POINTE CT, 3, O FALLON, MO 63366-6310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SUMMER POINTE CT, O FALLON, MO 63366-6310

Mortgage

Document Number	20190806000409730
Date	Aug 6, 2019
Instrument	20190806000409730

Lender

Name	BUSEY BANK
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2039

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	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,192.00 (+4.45%)	$76,117 (+7.52%)	$400,618 (+7.52%) Land $65,000 Building $335,618
2024	$4,971.00
2023		$70,795
2022			$372,606 Land $55,000 Building $317,606

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

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

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

Wildfire Risk	Not rated no burnable land within 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Gateway Fiber.

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