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3658 Summit Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3658 Summit Dr, Saint Charles, MO 63303

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,642 sqft · built 1996
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on Record
Last Sale$235,286 (May 2017)
Deeds & MortgagesMar 2021 Mortgage
May 2017 Mortgage
Flood ZoneZone X (minimal risk)
APNA953001464

Property Details

APN / Parcel Number

Primary APNA953001464
Alternative APN
  • 3-0015-7210-00-0105.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,642 sqft Living Area
1st Floor Area1,642 sqft
Basement Area1,606 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Architectural StyleRanch
Exterior MaterialVinyl
Lot Area10,019 sqft (0.23 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area448 sqft
PorchOpen Porch
Porch Area68 sqft
Patio Area646 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account NumberA953001464
Old Parcel NumberA953001464
Street Address3658 SUMMIT DR
CitySAINT CHARLES
StateMO
Zip63303-1900
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARVEST VALLEY #2 LOT 105
Legal Range04E
Legal Township46N
Legal SubdivisionHARVEST VALLEY #2
Legal Lot Number105
JurisdictionST CHARLES MO
Township / Civil DivisionHARVESTER
Census Block Group2
Census Block2014
Census Tract311147

Owner

Source: St. Charles County records, as of October 19, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3658 SUMMIT DR, SAINT CHARLES, MO 63303-1900
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
STIFEL BANK & TRUST
May 22, 2017Warranty Deed, Transfer · Conventional Mortgage
FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 22, 2017 · Amount on Record
Deed SaleMay 22, 2017 · Amount on Record
Deed Document Number0000067471
Deed Book / Page6747 / 1
Record UpdatedJun 7, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address3658 SUMMIT DR, SAINT CHARLES, MO 63303-1900
Transaction TypeMortgage
Record UpdatedApr 2, 2021
Title CompanyINVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3658 SUMMIT DR, SAINT CHARLES, MO 63303-1900

Mortgage

Document Number2021R024037
DateMar 18, 2021
Instrument2021R-024037
Lender
NameSTIFEL BANK & TRUST
TypeBank
AddressSAINT LOUIS, MO 63141
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMay 22, 2017
Property Address3658 SUMMIT DR, SAINT CHARLES, MO 63303-1900
Document Number0067470001
Book / Page6747 / 0001
Map ReferenceMB 32 PG 135
Instrument DateMay 18, 2017
Instrument20170522000311840
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyFREEDOM TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 BARDIC CIR, SAINT PETERS, MO 63376-4563

Mortgage

Document Number20170522000311850
DateMay 22, 2017
Instrument20170522000311850
Lender
NameFLAT BRANCH HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2023

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2023$59,729
2022$314,365 Land $50,000 Building $264,365

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

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 526 locations within half a mile, as of December 31, 2025

ProviderMax 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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