St. Charles County property record for 3654 Summit Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,875 sqft · built 1996 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $277,900 (Dec 2018) |
| Tax Bill | $4,019 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A953001463 |
| Primary APN | A953001463 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,875 sqft Living Area |
| Gross Area | 4,173 sqft |
| 1st Floor Area | 1,875 sqft |
| Basement Area | 1,857 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 128 sqft |
| Patio Area | 315 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953001463 |
|---|---|
| Street Address | 3654 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 104 |
| Legal Subdivision | HARVEST VALLEY #2 |
| Legal Lot Number | 104 |
| 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 December 9, 2025
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 | 3654 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2021 | Deed of Trust, Mortgage · Line of Credit ELECTRO SAVINGS CU |
| Dec 18, 2018 | Grant Deed, Transfer STIFEL BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2018 · Amount on Record |
| Deed Sale | Dec 18, 2018 · Amount on Record |
| Prior Sale | Dec 1, 2005 · Amount on Record |
| Deed Document Number | 2018705310 |
| Deed Book / Page | 7016 / 204 |
| Prior Transfer Date | Dec 14, 2018 |
| Prior Transfer Doc | 0070160202 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3654 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3654 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Document Number | 2021R048381 |
|---|---|
| Date | Jun 7, 2021 |
| Instrument | 2021R-048381 |
| Name | ELECTRO SAVINGS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63146 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 26, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 18, 2018 |
| Property Address | 3654 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Document Number | 0070160204 |
| Book / Page | 007016 / 000204 |
| Instrument Date | Dec 14, 2018 |
| Instrument | 705310 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| 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 | Married Couple |
| Address | 3654 SUMMIT DR ST CHARLES MO 633031900, ST CHARLES, MO 63303-1900 |
| Document Number | 70160206 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 007016/000206 |
| Instrument | 705320 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | ST LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 17, 2048 |
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 | $4,019.00 (+6.66%) | $66,952 (+9.93%) | $352,379 (+9.93%) Land $70,000 Building $282,379 |
| 2024 | $3,768.00 | ||
| 2023 | $60,903 | ||
| 2022 | $320,543 Land $50,000 Building $270,543 |
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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