St. Charles County property record for 3953 Summertime Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 988 sqft · built 1983 |
| Lot Size | 0.212 acres (9,225 sqft) |
| Owner | Individual Name on File |
| Last Sale | $262,500 (May 2021) |
| Tax Bill | $2,660 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 579102A078 |
| Primary APN | 579102A078 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Gross Area | 2,582 sqft |
| 1st Floor Area | 988 sqft |
| Basement Area | 988 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 | 606 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 68 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 579102A078 |
|---|---|
| Street Address | 3953 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 100 |
| Legal Subdivision | SUMMERFIELD #3 |
| Legal Lot Number | 100 |
| 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 26, 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 | 3953 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO |
| Apr 2, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 10, 2018 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Jul 10, 2018 | Warranty Deed, Transfer OTHER |
| Dec 15, 2017 | Warranty Deed, Transfer OTHER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on File |
| Deed Sale | May 18, 2021 · Amount on File |
| Prior Sale | Apr 2, 2021 · Amount on File |
| Deed Document Number | 202143117 |
| Prior Transfer Date | Oct 30, 2020 |
| Prior Transfer Doc | 0000029055 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 18, 2021 |
| Property Address | 3953 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 2021R043117 |
| Map Reference | MB 20 PG 106 |
| Instrument Date | May 13, 2021 |
| Instrument | 2021R-043117 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5163 ROSEMOUNT DR, 5163, WELDON SPRING, MO 63304-7583 |
| Name | Verified Name |
|---|---|
| Address | 3953 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 2021R043118 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 2021R-043118 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 2, 2021 |
| Property Address | 3953 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 2021R029055 |
| Map Reference | MB 20 PG 106 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 2021R-029055 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3953 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 2021R029056 |
|---|---|
| Date | Apr 2, 2021 |
| Instrument | 2021R-029056 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 10, 2018 |
| Property Address | 3953 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0069461320 |
| Book / Page | 006946 / 001320 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 388430 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2018 |
| Title Company | STATE LOUIS COMPANY TITLE (SLCTC) |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3953 SUMMERTIME DR ST CHARLES MO 633042651, ST CHARLES, MO 63304-2651 |
| Document Number | 69461274 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 006946/001274 |
| Instrument | 388370 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2048 |
| Document Number | 69461322, |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 006946/001322 |
| Instrument | 388440 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 10, 2018 |
| Property Address | 3953 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0069461272 |
| Book / Page | 006946 / 001272 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 388360 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3953 SUMMERTIME DR ST CHARLES MO 633042651, ST CHARLES, MO 63304-2651 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 15, 2017 |
| Property Address | 3953 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0068531084 |
| Book / Page | 006853 / 001084 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 774310 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 218 ADDYSTON PARC ST PETERS MO 633762446, ST PETERS, MO 63376-2446 |
Source: St. Charles County assessment roll, as of August 13, 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 | $2,660.00 (-1.99%) | $44,677 (-1.37%) | $235,143 (-1.37%) Building $235,143 |
| 2024 | $2,714.00 | ||
| 2023 | $45,299 | ||
| 2022 | $238,416 Land $45,000 Building $193,416 |
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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