St. Charles County property record for 3639 Summit Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,755 sqft · built 1995 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $313,000 (Mar 2020) |
| Tax Bill | $3,956 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953001459 |
| Primary APN | A953001459 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,755 sqft Living Area |
| 1st Floor Area | 1,755 sqft |
| Basement Area | 1,713 sqft |
| Finished Basement | 923 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 10,454 sqft (0.239 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 84 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | A953001459 |
|---|---|
| Old Parcel Number | A953001459 |
| Street Address | 3639 SUMMIT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARVEST VALLEY #2 LOT 100 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | HARVEST VALLEY #2 |
| Legal Lot Number | 100 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 311147 |
Source: St. Charles County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3639 SUMMIT DR, SAINT CHARLES, MO 63303-1906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2023 | Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU |
| Oct 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Mar 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on Record |
| Deed Sale | Mar 20, 2020 · Amount on Record |
| Deed Document Number | 0072521683 |
| Deed Book / Page | 7252 / 1683 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3639 SUMMIT DR, SAINT CHARLES, MO 63303-1906 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Title Company | OLD REPUBLIC TITLE, ORT |
| Name | Verified Name |
|---|---|
| Address | 3639 SUMMIT DR, SAINT CHARLES, MO 63303-1906 |
| Document Number | 0000014770 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | 2023R-014770 |
| Name | NEIGHBORS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3639 SUMMIT DR, SAINT CHARLES, MO 63303-1906 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 3639 SUMMIT DR, SAINT CHARLES, MO 63303-1906 |
| Document Number | 2021R081850 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 2021R-081850 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 20, 2020 |
| Property Address | 3639 SUMMIT DR, SAINT CHARLES, MO 63303-1906 |
| Document Number | 0072521683 |
| Book / Page | 7252 / 1683 |
| Map Reference | MB 32 PG 135 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 20200320000172660 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3639 SUMMIT DR, SAINT CHARLES, MO 63303-1906 |
| Document Number | 20200320000172670 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 20200320000172670 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
Source: St. Charles County assessment roll, as of July 1, 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 | $3,956.00 | $65,895 (+5.61%) | $346,815 (+5.61%) Land $70,000 Building $276,815 |
| 2023 | $62,392 | ||
| 2022 | $328,377 Land $50,000 Building $278,377 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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