326 Summer Haven Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 326 Summer Haven Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,645 sqft · built 1997
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Company Names on File
Last Sale	$204,439 (Nov 1997)
Deeds & Mortgages	Mar 2021 Line of Credit Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A983000024`

Property Details

APN / Parcel Number

Primary APN	`A983000024`
Alternative APN	`3-157D-7709-00-0203.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,645 sqft Living Area
Gross Area	4,425 sqft
1st Floor Area	2,645 sqft
Basement Area	1,340 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	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	110 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A983000024
Street Address	326 SUMMER HAVEN CT
City	O FALLON
State	MO
Zip	63368-8090
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FIELDSTONE FARMS #1 LOT 203
Legal Subdivision	FIELDSTONE FARMS #1
Legal Lot Number	203
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4030
Census Tract	311151

Owner

326 Summer Haven Ct is owned by a company that acquired it in May 2002.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Company Names on File
Mailing Address	326 SUMMER HAVEN CT, O FALLON, MO 63368-8090
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 1997 · Amount on File
Deed Sale	Nov 3, 1997 · Amount on File
Deed Document Number	199762670
Deed Book / Page	1995 / 540
Last Transfer Date	May 31, 2002
Transfer Doc	0000051304
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	326 SUMMER HAVEN CT, O FALLON, MO 63368-8090
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 SUMMER HAVEN CT, O FALLON, MO 63368-8090

Mortgage

Document Number	0000022263
Date	Mar 12, 2021
Instrument	2021R-022263

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2041

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	326 SUMMER HAVEN CT, O FALLON, MO 63368-8090
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 SUMMER HAVEN CT, O FALLON, MO 63368-8090

Mortgage

Document Number	0000039962
Date	Jul 19, 2022
Instrument	2022R-039962

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$82,870	$436,159 Land $80,000 Building $356,159
2023	$78,501
2022		$413,164 Land $60,000 Building $353,164

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

FEMA maps place 326 Summer Haven Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 326 Summer Haven Ct is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 321 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
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, i3 Broadband, Verizon.

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