St. Charles County property record for 3810 Summerview Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,018 sqft · built 1980 |
| Lot Size | 0.293 acres (12,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1 (Oct 2025) |
| Tax Bill | $3,660 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Oct 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 497850A009 |
| Primary APN | 497850A009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,018 sqft Living Area |
| Gross Area | 3,574 sqft |
| 1st Floor Area | 1,202 sqft |
| Basement Area | 1,116 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,750 sqft (0.293 acres) |
| Lot Dimensions | 150 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 497850A009 |
|---|---|
| Street Address | 3810 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 5 |
| Legal Subdivision | SUMMERVIEW EST #1 |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311150 |
Source: St. Charles County records, as of September 11, 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 File |
|---|---|
| Mailing Address | 3810 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jun 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 29, 2025 | Intrafamily Transfer, Transfer · FHA Mortgage PEOPLES BANK |
| Apr 15, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2025 · Amount on File |
| Deed Sale | Oct 29, 2025 · Amount on File |
| Prior Sale | Mar 16, 2016 · Amount on File |
| Deed Document Number | 202548326 |
| Prior Transfer Date | Oct 23, 2025 |
| Prior Transfer Doc | 0000048326 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3810 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3810 SUMMERDRIVE DR, SAINT CHARLES, MO 63304 |
| Investor | Possibly a Property Investor |
| Document Number | 0000023618 |
|---|---|
| Date | Jun 19, 2023 |
| Instrument | 2023R-023618 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 316 Months |
| Due | Oct 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 29, 2025 |
| Property Address | 3810 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Document Number | 0000048326 |
| Map Reference | MB 20 PG 143 |
| Instrument Date | Oct 23, 2025 |
| Instrument | 2025R-048326 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3810 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3810 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Document Number | 0000048327 |
|---|---|
| Date | Oct 29, 2025 |
| Instrument | 2025R-048327 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 15, 2024 |
| Property Address | 3810 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Document Number | 0000014078 |
| Map Reference | MB 24 PG 101 |
| Instrument Date | Apr 13, 2024 |
| Instrument | 2024R-014078 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3810 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
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 | $60,925 (-) | $320,659 (-) Land $55,000 Building $265,659 | |
| 2025 | $3,660.00 | $60,925 (+7.19%) | $320,659 (+7.2%) Land $55,000 Building $265,659 |
| 2023 | $56,836 | ||
| 2022 | $299,135 Land $45,000 Building $254,135 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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