St. Charles County property record for 3928 Summertime Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,777 sqft · built 1979 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $346,000 (Jun 2022) |
| Tax Bill | $3,486 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 579102A064 |
| Primary APN | 579102A064 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,777 sqft Living Area |
| Gross Area | 3,552 sqft |
| 1st Floor Area | 1,473 sqft |
| Basement Area | 1,449 sqft |
| Finished Basement | 1,304 sqft |
| Unfinished Basement | 145 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 125 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 579102A064 |
|---|---|
| Street Address | 3928 SUMMERTIME DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SUMMERFIELD #3 LOT 86 |
| Legal Subdivision | SUMMERFIELD #3 |
| Legal Lot Number | 86 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 311150 |
3928 Summertime Dr is owned and occupied by an individual who bought it in June 2022.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3928 SUMMERTIME DR, SAINT CHARLES, MO 63304-2650 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 3, 2022 | Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST |
| Jun 3, 2022 | Warranty Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2022 · Amount on File |
| Deed Sale | Jun 3, 2022 · Amount on File |
| Prior Sale | Sep 13, 2018 · Amount on File |
| Deed Document Number | 202231271 |
| Prior Transfer Date | Feb 10, 2012 |
| Prior Transfer Doc | 0000200420 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3928 SUMMERTIME DR, SAINT CHARLES, MO 63304-2650 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Title Company | NOT AVAILABLE, PTA |
| Name | Verified Name |
|---|
| Document Number | 0000097881 |
|---|---|
| Date | Dec 2, 2021 |
| Instrument | 2021R-097881 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Dec 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3928 SUMMERTIME DR, SAINT CHARLES, MO 63304-2650 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3928 SUMMERTIME DR, SAINT CHARLES, MO 63304-2650 |
| Document Number | 0000025181 |
|---|---|
| Date | May 3, 2022 |
| Instrument | 2022R-025181 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 15, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 3, 2022 |
| Property Address | 3928 SUMMERTIME DR, SAINT CHARLES, MO 63304-2650 |
| Document Number | 0000031271 |
| Map Reference | MB 20 PG 106 |
| Instrument Date | May 31, 2022 |
| Instrument | 2022R-031271 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3209 COUNTRY KNOLL DR, SAINT CHARLES, MO 63303-1600 |
| Name | Verified Name |
|---|---|
| Address | 3928 SUMMERTIME DR, SAINT CHARLES, MO 63304-2650 |
| Document Number | 0000031272 |
|---|---|
| Date | Jun 3, 2022 |
| Instrument | 2022R-031272 |
| Name | ENDEAVOR CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 3928 Summertime Dr was $3,486.
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 | $58,708 (-) | $308,991 (-) Land $55,000 Building $253,991 | |
| 2025 | $3,486.00 | $58,708 | $308,991 Land $55,000 Building $253,991 |
| 2023 | $58,244 (+46.63%) | ||
| 2022 | $2,561.00 | $39,722 | $306,547 (+46.63%) Land $45,000 Building $261,547 |
| 2021 | $209,065 Land $45,000 Building $164,065 |
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 3928 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 3928 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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