St. Charles County property record for 3923 Summertime Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,673 sqft · built 1983 |
| Lot Size | 0.212 acres (9,225 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Mar 2024) |
| Tax Bill | $2,829 (2025) |
| Deeds & Mortgages | Mar 2024 Sale Feb 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 579102A073 |
| Primary APN | 579102A073 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,673 sqft Living Area |
| Gross Area | 2,448 sqft |
| 1st Floor Area | 984 sqft |
| Basement Area | 984 sqft |
| Finished Basement | 689 sqft |
| Unfinished Basement | 295 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,225 sqft (0.212 acres) |
| Lot Dimensions | 123 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 68 sqft |
| Patio Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 579102A073 |
|---|---|
| Street Address | 3923 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 95 |
| Legal Subdivision | SUMMERFIELD #3 |
| Legal Lot Number | 95 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 311150 |
3923 Summertime Dr is owned and occupied by an individual who bought it in March 2024.
Source: St. Charles County records, as of September 10, 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 | 3923 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2024 | Warranty Deed, Transfer |
| Feb 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DAS ACQUISITION |
| Nov 16, 2020 | Deed of Trust, Mortgage DAS ACQUISITION |
| May 16, 2017 | Warranty Deed, Transfer DAS ACQUISITION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2024 · Amount on File |
| Deed Sale | Mar 4, 2024 · Amount on File |
| Prior Sale | May 16, 2017 · Amount on File |
| Deed Document Number | 20247984 |
| Prior Transfer Date | Jan 17, 2003 |
| Prior Transfer Doc | 0000048379 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 4, 2024 |
| Property Address | 3923 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0000007984 |
| Map Reference | MB 20 PG 106 |
| Instrument Date | Feb 29, 2024 |
| Instrument | 2024R-007984 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 144 WHOLESOME WAY, SAINT CHARLES, MO 63304-5672 |
| Name | Verified Name |
|---|---|
| Address | 3923 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3923 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 3923 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0000005040 |
|---|---|
| Date | Feb 8, 2024 |
| Instrument | 2024R-005040 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 3 Months |
| Due | May 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3923 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0000101885 |
| Instrument Date | Nov 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Title Company | CLOSELINE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3923 SUMMERTIME DR ST CHARLES MO 633042651, ST CHARLES, MO 63304-2651 |
| Document Number | 0000101885 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 101885 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 27, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 16, 2017 |
| Property Address | 3923 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0067440816 |
| Book / Page | 006744 / 000816 |
| Instrument Date | May 12, 2017 |
| Instrument | 299760 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2017 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3923 SUMMERTIME DR ST CHARLES MO 633042651, ST CHARLES, MO 63304-2651 |
| Document Number | 67440818 |
|---|---|
| Date | May 16, 2017 |
| Book Page | 006744/000818 |
| Instrument | 299770 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 15, 2047 |
The 2025 property tax bill for 3923 Summertime Dr was $2,829.
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 | $47,543 (-) | $250,224 (-) Building $250,224 | |
| 2025 | $2,829.00 | $47,543 | $250,224 |
| 2023 | $42,383 | ||
| 2022 | $223,066 Land $45,000 Building $178,066 |
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 3923 Summertime 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.
The area around 3923 Summertime Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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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