St. Charles County property record for 3965 Summertime Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,122 sqft · built 1979 |
| Lot Size | 0.204 acres (8,910 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,860 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 579102A080 |
| Primary APN | 579102A080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,122 sqft Living Area |
| 1st Floor Area | 1,198 sqft |
| Basement Area | 924 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood |
| Lot Area | 8,910 sqft |
| Lot Dimensions | 81 ft deep x 110 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 84 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 579102A080 |
|---|---|
| Old Parcel Number | 579102A080 |
| Street Address | 3965 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 102 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | SUMMERFIELD #3 |
| Legal Lot Number | 102 |
| 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 |
|---|---|
| Mailing Address | 3965 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2022 | Deed of Trust, Mortgage · Line of Credit SCOTT CU |
| Oct 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Sep 19, 2017 | Warranty Deed, Transfer · FHA Mortgage COMMERCE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2025 |
| Deed Sale | Aug 13, 2025 |
| Prior Sale | Sep 19, 2017 · Amount on Record |
| Deed Document Number | 2025R-034996 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3965 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3965 SUMMERTIME DR, COTTLEVILLE, MO 63304-2651 |
| Document Number | 0000019907 |
|---|---|
| Date | Apr 7, 2022 |
| Instrument | 2022R-019907 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 6, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3965 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3965 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 2021R083500 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 2021R-083500 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 19, 2017 |
| Property Address | 3965 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 0068091384 |
| Book / Page | 6809 / 1384 |
| Map Reference | MB 20 PG 106 |
| Instrument Date | Sep 15, 2017 |
| Instrument | 20170919000588500 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| 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 | 14249 BUTTERCUP DR, 14249, OLIVE BRANCH, MS 38654-5536 |
| Name | Verified Name |
|---|---|
| Address | 3965 SUMMERTIME DR, SAINT CHARLES, MO 63304-2651 |
| Document Number | 20170919000588510 |
|---|---|
| Date | Sep 19, 2017 |
| Instrument | 20170919000588510 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
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 | $3,860.00 | $65,058 (+6.9%) | $342,411 (+6.91%) Land $55,000 Building $287,411 |
| 2023 | $60,856 | ||
| 2022 | $320,293 Land $45,000 Building $275,293 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 470 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 · Fiber in parts of the area | 100 / 20 |
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