St. Charles County property record for 3674 Summit Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,550 sqft · built 1995 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $296,940 (Sep 2026) |
| Tax Bill | $3,749 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A893000482 |
| Primary APN | A893000482 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,550 sqft Living Area |
| Gross Area | 3,735 sqft |
| 1st Floor Area | 1,550 sqft |
| Basement Area | 1,534 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Masonry Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 651 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A893000482 |
|---|---|
| Street Address | 3674 SUMMIT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLES RIDGE #2 LOT 46 |
| Legal Subdivision | EAGLES RIDGE #2 |
| Legal Lot Number | 46 |
| 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 October 13, 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 | 3674 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Sep 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK/STATE CHARLES |
| Oct 8, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST MID BANK & TRUST NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2026 · Amount on Record |
| Deed Sale | Sep 25, 2026 · Amount on Record |
| Prior Sale | Oct 8, 2025 · Amount on Record |
| Deed Document Number | 202645882 |
| Prior Transfer Date | Oct 6, 2025 |
| Prior Transfer Doc | 0000044948 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 25, 2026 |
| Property Address | 3674 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Document Number | 0000045882 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202645882 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | INVESTORS LAND TITLE, INVESTORS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3674 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Document Number | 0000045883, |
|---|---|
| Date | Sep 25, 2026 |
| Instrument | 202645883 |
| Name | FIRST STATE BANK/STATE CHARLES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 8, 2025 |
| Property Address | 3674 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Document Number | 0000044949 |
| Map Reference | MB 28 PG 84 |
| Instrument Date | Oct 6, 2025 |
| Instrument | 2025R-044949 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2025 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 408 RED BUD LNB, TROY, IL 62294 |
| Name | Verified Name |
|---|---|
| Address | 3674 SUMMIT DR, SAINT CHARLES, MO 63303-1900 |
| Document Number | 0000044950 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 2025R-044950 |
| Name | FIRST MID BANK & TRUST NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
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 | $62,414 (-) | $328,495 (-) Land $60,000 Building $268,495 | |
| 2025 | $3,749.00 (+6.93%) | $62,414 (+10.2%) | $328,495 (+10.2%) Land $60,000 Building $268,495 |
| 2024 | $3,506.00 | ||
| 2023 | $56,635 | ||
| 2022 | $298,081 Land $60,000 Building $238,081 |
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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