St. Charles County property record for 3646 Summit Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,466 sqft · built 1995 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $271,000 (Dec 2018) |
| Tax Bill | $4,695 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A953001461 |
| Primary APN | A953001461 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,466 sqft Living Area |
| Gross Area | 4,284 sqft |
| 1st Floor Area | 1,278 sqft |
| Basement Area | 1,242 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 180 sqft |
| Patio Area | 738 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953001461 |
|---|---|
| Street Address | 3646 SUMMIT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARVEST VALLEY #2 LOT 102 |
| Legal Subdivision | HARVEST VALLEY #2 |
| Legal Lot Number | 102 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 311147 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3646 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Dec 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK |
| Dec 31, 2018 | Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2018 · Amount on Record |
| Deed Sale | Dec 31, 2018 · Amount on Record |
| Prior Sale | Mar 8, 2010 · Amount on Record |
| Deed Document Number | 2018724220 |
| Deed Book / Page | 7020 / 1290 |
| Last Transfer Date | Nov 13, 2024 |
| Transfer Doc | 0000048520 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3646 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071901510 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 7190/1510 |
| Instrument | 20191202000685560 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 31, 2018 |
| Property Address | 3646 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Document Number | 0070201290 |
| Book / Page | 7020 / 1290 |
| Map Reference | MB 32 PG 135 |
| Instrument Date | Dec 20, 2018 |
| Instrument | 20181231000724220 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3646 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Document Number | 20181231000724230 |
|---|---|
| Date | Dec 31, 2018 |
| Instrument | 20181231000724230 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
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 | $78,292 (-) | $412,062 (-) Land $70,000 Building $342,062 | |
| 2025 | $4,695.00 | $78,292 (+8.49%) | $412,062 (+8.49%) Land $70,000 Building $342,062 |
| 2023 | $72,166 | ||
| 2022 | $379,820 Land $50,000 Building $329,820 |
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 |
|---|
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 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 Fixed Wireless | 100 / 20 |
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