3805 Summerview Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3805 Summerview Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,144 sqft · built 1983
Lot Size	0.361 acres (15,759 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Dec 2020)
Tax Bill	$3,889 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`497850A015`

Property Details

APN / Parcel Number

Primary APN	`497850A015`
Alternative APN	`3-0037-5287-00-0011.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,144 sqft Living Area
1st Floor Area	1,244 sqft
Basement Area	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	Other
Exterior Material	Siding
Lot Area	15,759 sqft
Lot Dimensions	153 ft deep x 103 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	56 sqft
Patio Area	236 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	497850A015
Old Parcel Number	497850A015
Street Address	3805 SUMMERVIEW DR
City	SAINT CHARLES
State	MO
Zip	63304-2659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SUMMERVIEW EST #1 LOT 11
Legal Range	04E
Legal Township	46N
Legal Subdivision	SUMMERVIEW EST #1
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311150

Owner

Source: St. Charles County records, as of March 16, 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	2 Individual Names on Record
Mailing Address	3805 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Deed Document Number	0202099507
Deed Book / Page	2020 / 99507
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 17, 2020
Property Address	3805 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2659
Document Number	0000099507
Instrument Date	Dec 9, 2020
Instrument	99507
Transaction Type	Transfer
Record Updated	Mar 19, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3805 SUMMERVIEW DR ST CHARLES MO 633042659, ST CHARLES, MO 63304-2659

Mortgage

Document Number	99508
Date	Dec 17, 2020
Instrument	99508

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,889.00 (+20.03%)	$64,766 (+7.03%)	$340,871 (+7.03%) Land $55,000 Building $285,871
2023		$60,511 (+24.7%)
2022	$3,240.00	$48,525	$318,478 (+24.7%) Land $45,000 Building $273,478
2021			$255,395

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 · 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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