St. Charles County property record for 3 Summerset Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,079 sqft · built 1984 |
| Lot Size | 1.03 acres (45,302 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $204,400 (Jan 2003) |
| Tax Bill | $4,581 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 567906A017 |
| Primary APN | 567906A017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,079 sqft Living Area |
| Gross Area | 4,642 sqft |
| 1st Floor Area | 2,079 sqft |
| Basement Area | 2,079 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,302 sqft |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 210 sqft |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 567906A017 |
|---|---|
| Street Address | 3 SUMMERSET CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7672 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | LAKES #1 LOT 13 |
| Legal Subdivision | LAKES #1 |
| Legal Lot Number | 13 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 311124 |
Source: St. Charles County records, as of August 7, 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 | 3 SUMMERSET CT, SAINT CHARLES, MO 63304-7672 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2003 · Amount on Record |
| Deed Sale | Jan 15, 2003 · Amount on Record |
| Prior Sale | Apr 24, 1998 · Amount on Record |
| Deed Document Number | 20037888 |
| Deed Book / Page | 3205 / 1870 |
| Last Transfer Date | Nov 25, 2019 |
| Transfer Doc | 0071901804 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 SUMMERSET CT, SAINT CHARLES, MO 63304-7672 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3 SUMMERSET CT, SAINT CHARLES, MO 63304-7672 |
| Document Number | 0000012099 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 2024R-012099 |
| Name | UMB BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $77,291 (-) | $406,795 (-) Land $80,000 Building $326,795 | |
| 2025 | $4,581.00 (+9.25%) | $77,291 (+10.01%) | $406,795 (+10.01%) Land $80,000 Building $326,795 |
| 2024 | $4,193.00 | ||
| 2023 | $70,257 | ||
| 2022 | $369,775 Land $80,000 Building $289,775 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2017 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% 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 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 |
| Also Mapped Here | MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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