St. Charles County property record for 3820 Summerview Dr, Saint Charles, MO 63304 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,860 sqft · built 1981 |
| Lot Size | 0.272 acres (11,869 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Apr 2021 Mortgage Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 497850A006 |
| Primary APN | 497850A006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| Gross Area | 4,200 sqft |
| 1st Floor Area | 1,860 sqft |
| Basement Area | 1,860 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,869 sqft (0.272 acres) |
| Lot Dimensions | 143 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 560 sqft |
| Porch | Open Porch |
| Porch Area | 85 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 497850A006 |
|---|---|
| Street Address | 3820 SUMMERVIEW DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUMMERVIEW EST #1 LOT 2 |
| Legal Subdivision | SUMMERVIEW EST #1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311150 |
Source: St. Charles County records · APN 497850A006
Assessment roll updated August 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 3820 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 03, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3820 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | CONTINENTAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3280 SUMMERVIEW DR, SAINT CHARLES, MO 63304 |
| Document Number | 2021R028404 |
|---|---|
| Date | Apr 01, 2021 |
| Instrument | 2021R-028404 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3820 SUMMERVIEW DR, SAINT CHARLES, MO 63304-2658 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CLEAR TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0071910800 |
|---|---|
| Date | Dec 03, 2019 |
| Book Page | 7191/0800 |
| Instrument | 20191203000688780 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Nov 01, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $69,779 (+3.7%) | $367,260 (+3.7%) Land $55,000 Building $312,260 |
| 2023 | $67,290 | |
| 2022 | $354,160 Land $45,000 Building $309,160 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111501, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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