St. Charles County property record for 3935 Summertime Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,290 sqft · built 1979 |
| Lot Size | 0.212 acres (9,225 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $182,300 (May 2007) |
| Tax Bill | $3,426 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jul 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 579102A075 |
| Primary APN | 579102A075 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,290 sqft Living Area |
| Gross Area | 3,156 sqft |
| 1st Floor Area | 1,422 sqft |
| Basement Area | 1,316 sqft |
| Finished Basement | 868 sqft |
| Unfinished Basement | 448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Bi-Level |
| 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 | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 300 sqft |
| Deck Area | Deck Area |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 579102A075 |
|---|---|
| Street Address | 3935 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 97 |
| Legal Subdivision | SUMMERFIELD #3 |
| Legal Lot Number | 97 |
| 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 August 7, 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 Record |
|---|---|
| Mailing Address | 3935 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 7, 2022 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2007 · Amount on Record |
| Deed Sale | May 31, 2007 · Amount on Record |
| Prior Sale | May 31, 2007 · Amount on Record |
| Deed Document Number | 2007446590 |
| Deed Book / Page | 4764 / 1403 |
| Prior Transfer Date | May 25, 2007 |
| Prior Transfer Doc | 0047641401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3935 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3935 SLMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0000007886 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 2026R-007886 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3935 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3935 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0000037839 |
|---|---|
| Date | Jul 7, 2022 |
| Instrument | 2022R-037839 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3935 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072780023 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 7278/23 |
| Instrument | 20200424000257560 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2035 |
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 | $57,683 (-) | $303,597 (-) Land $55,000 Building $248,597 | |
| 2025 | $3,426.00 (+0.18%) | $57,683 (+0.82%) | $303,597 (+0.82%) Land $55,000 Building $248,597 |
| 2024 | $3,420.00 | ||
| 2023 | $57,216 | ||
| 2022 | $301,136 Land $45,000 Building $256,136 |
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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