St. Charles County property record for 3905 Summertime Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,442 sqft · built 1978 |
| Lot Size | 0.381 acres (16,605 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $216,000 (May 2019) |
| Tax Bill | $3,288 (2025) |
| Deeds & Mortgages | May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 579102A070 |
| Primary APN | 579102A070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,442 sqft Living Area |
| 1st Floor Area | 1,442 sqft |
| Basement Area | 1,414 sqft |
| Finished Basement | 311 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 16,605 sqft |
| Lot Dimensions | 123 ft deep x 135 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 105 sqft |
| Patio Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 579102A070 |
|---|---|
| Old Parcel Number | 579102A070 |
| Street Address | 3905 SUMMERTIME DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SUMMERFIELD #3 LOT 92 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | SUMMERFIELD #3 |
| Legal Lot Number | 92 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 311150 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3905 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2019 · Amount on Record |
| Deed Sale | May 9, 2019 · Amount on Record |
| Prior Sale | Nov 23, 2015 |
| Deed Document Number | 0070712042 |
| Deed Book / Page | 7071 / 2042 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 9, 2019 |
| Property Address | 3905 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0070712042 |
| Book / Page | 7071 / 2042 |
| Map Reference | MB 20 PG 106 |
| Instrument Date | May 6, 2019 |
| Instrument | 20190509000220280 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | US TITLE CORP & OR AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3905 SUMMERTIME DR, 3905, SAINT CHARLES, MO 63304-2651 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3905 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 20190509000220290 |
|---|---|
| Date | May 9, 2019 |
| Instrument | 20190509000220290 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,288.00 | $55,347 (+3.83%) | $291,301 (+3.84%) Land $55,000 Building $236,301 |
| 2023 | $53,303 | ||
| 2022 | $280,541 Land $45,000 Building $235,541 |
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 · 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 | Not rated no burnable land within 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 430 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 | 100 / 20 |
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