St. Charles County property record for 3804 Summerview Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,163 sqft · built 1980 |
| Lot Size | 0.139 acres (6,076 sqft) |
| Owner | Individual Name on File |
| Last Sale | $369,900 (Nov 2021) |
| Tax Bill | $3,528 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 497850A011 |
| Primary APN | 497850A011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,163 sqft Living Area |
| Gross Area | 3,064 sqft |
| 1st Floor Area | 1,088 sqft |
| Basement Area | 768 sqft |
| Finished Basement | 307 sqft |
| Unfinished Basement | 461 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,076 sqft (0.139 acres) |
| Lot Dimensions | 124 ft deep x 49 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 497850A011 |
|---|---|
| Street Address | 3804 SUMMERVIEW DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SUMMERVIEW EST #1 LOT 7 |
| Legal Subdivision | SUMMERVIEW EST #1 |
| Legal Lot Number | 7 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311150 |
3804 Summerview Dr is owned and occupied by an individual who bought it in November 2021.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3804 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2021 · Amount on File |
| Deed Sale | Nov 19, 2021 · Amount on File |
| Prior Sale | Oct 16, 2013 · Amount on File |
| Deed Document Number | 202195174 |
| Prior Transfer Date | Oct 6, 2005 |
| Prior Transfer Doc | 0043250697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 19, 2021 |
| Property Address | 3804 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Document Number | 2021R095174 |
| Map Reference | MB 20 PG 143 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 2021R-095174 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 WILLOW WAY, 19, SAINT CHARLES, MO 63304-7223 |
| Name | Verified Name |
|---|---|
| Address | 3804 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Document Number | 2021R095175 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021R-095175 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Number | 2021R095176 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021R-095176 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 3804 Summerview Dr was $3,528, down 0.5% from the year before.
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 | $58,708 (-) | $308,988 (-) Land $55,000 Building $253,988 | |
| 2025 | $3,528.00 (-0.45%) | $58,708 | $308,988 Land $55,000 Building $253,988 |
| 2024 | $3,544.00 | ||
| 2023 | $57,248 | ||
| 2022 | $301,306 Land $45,000 Building $256,306 |
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.
FEMA maps place 3804 Summerview Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3804 Summerview Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% 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 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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