St. Charles County property record for 3716 Summit Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,150 sqft · built 1987 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $188,500 (Jan 2013) |
| Tax Bill | $3,489 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit May 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A883002384 |
| Primary APN | A883002384 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,150 sqft Living Area |
| Gross Area | 3,002 sqft |
| 1st Floor Area | 902 sqft |
| Basement Area | 888 sqft |
| Finished Basement | 416 sqft |
| Unfinished Basement | 472 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 255 sqft |
| Deck Area | Deck Area |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883002384 |
|---|---|
| Street Address | 3716 SUMMIT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLES RIDGE #1 LOT 65 |
| Legal Subdivision | EAGLES RIDGE #1 |
| Legal Lot Number | 65 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 311147 |
Source: St. Charles County records, as of August 7, 2026
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 | 3716 SUMMIT DR, SAINT CHARLES, MO 63303-1914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION |
| May 24, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Apr 2, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Dec 11, 2020 | Deed of Trust, Mortgage FIRST CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2013 · Amount on Record |
| Deed Sale | Jan 18, 2013 · Amount on Record |
| Prior Sale | Oct 4, 2006 · Amount on Record |
| Deed Document Number | 201350560 |
| Deed Book / Page | 5939 / 2424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 14, 2026 |
| Property Address | 3716 SUMMIT DR, SAINT CHARLES, MO 63303-1914 |
| Document Number | 0000048708 |
| Instrument Date | Sep 26, 2026 |
| Instrument | 202648708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 3716 SUMMIT DR, SAINT CHARLES, MO 63303-1914 |
| Document Number | 0000048708, |
|---|---|
| Date | Oct 14, 2026 |
| Instrument | 202648708 |
| Name | FIRST COMMUNITY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3716 SUMMIT DR, SAINT CHARLES, MO 63303-1914 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 3715 SUMMIT DR, SAINT CHARLES, MO 63303-1915 |
| Document Number | 2021R044645 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 2021R-044645 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3716 SUMMIT DR, SAINT CHARLES, MO 63303-1914 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0070532087 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 7053/2087 |
| Instrument | 20190402000145040 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Mar 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3716 SUMMIT DR, SAINT CHARLES, MO 63303-1914 |
| Document Number | 0000098938 |
| Instrument Date | Dec 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3716 SUMMIT DR ST CHARLES MO 633031914, ST CHARLES, MO 63303-1914 |
| Document Number | 0000098938 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 98938 |
| Name | FIRST CMNTY CU |
|---|---|
| Address | CHESTERFIELD, MO 63005 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Dec 15, 2035 |
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 | $58,063 (-) | $305,597 (-) Land $60,000 Building $245,597 | |
| 2025 | $3,489.00 | $58,063 (+7.48%) | $305,597 (+7.48%) Land $60,000 Building $245,597 |
| 2023 | $54,024 | ||
| 2022 | $284,337 Land $60,000 Building $224,337 |
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 | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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