St. Charles County property record for 3 Summit Station, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,688 sqft · built 1976 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $253,300 (Aug 2019) |
| Tax Bill | $815 (2025) |
| Deeds & Mortgages | Dec 2018 Second Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 428200A032 |
| Primary APN | 428200A032 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,688 sqft Living Area |
| Gross Area | 3,356 sqft |
| 1st Floor Area | 1,588 sqft |
| Basement Area | 1,328 sqft |
| Finished Basement | 1,100 sqft |
| Unfinished Basement | 228 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 6,750 sqft (0.155 acres) |
| Lot Dimensions | 125 ft deep x 54 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 156 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 428200A032 |
|---|---|
| Street Address | 3 SUMMIT STA |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AB8 |
| Legal Description | HERITAGE #1 LOT 33 |
| Legal Subdivision | HERITAGE |
| Legal Lot Number | 33 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 311146 |
Source: St. Charles County records, as of July 1, 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 | 58 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK |
| Aug 20, 2019 | Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2019 · Amount on Record |
| Deed Sale | Aug 20, 2019 · Amount on Record |
| Prior Sale | Nov 20, 2009 · Amount on Record |
| Deed Document Number | 2019441600 |
| Deed Book / Page | 7126 / 2139 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 SUMMIT STA, SAINT CHARLES, MO 63303-6139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3 SUMMIT STATION, KANSAS CITY, MO 64106 |
| Document Number | 0070110828 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 7011/0828 |
| Instrument | 20181206000681880 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 20, 2019 |
| Property Address | 3 SUMMIT STA, SAINT CHARLES, MO 63303-6139 |
| Document Number | 0071262139 |
| Book / Page | 007126 / 002139 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 441600 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2019 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 SUMMIT STA ST CHARLES MO 633036139, ST CHARLES, MO 63303-6139 |
| Document Number | 71262141 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 007126/002141 |
| Instrument | 441610 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 19, 2049 |
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $815.00 | $13,680 (+14.29%) | $72,000 (+14.29%) Land $72,000 |
| 2023 | $11,970 | ||
| 2022 | $63,000 Land $63,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 19 (1979–2013) |
| Most Recent Claim | Apr 2013 · river or lake flooding |
| Claims by Event |
|
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 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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