609 Summer Stone Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 609 Summer Stone Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,526 sqft · built 2002
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$438,500 (Apr 2023)
Deeds & Mortgages	Jun 2022 Second Mortgage Nov 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T021700432`

Property Details

APN / Parcel Number

Primary APN	`T021700432`
Alternative APN	`4-069B-8837-00-0064.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,526 sqft Living Area
Gross Area	3,772 sqft
1st Floor Area	1,676 sqft
Basement Area	1,676 sqft
Finished Basement	850 sqft
Unfinished Basement	826 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	648 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021700432
Street Address	609 SUMMER STONE DR
City	O FALLON
State	MO
Zip	63368-7680
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER STONE VLG LOT 64
Legal Subdivision	SUMMER STONE VLG
Legal Lot Number	64
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3050
Census Tract	311153

Owner

Source: St. Charles County records, as of September 10, 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	609 SUMMER STONE DR, O FALLON, MO 63368-7680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Nov 20, 2023	Beneficiary Deed, Transfer
Apr 12, 2023	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Nov 9, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2023 · Amount on Record
Deed Sale	Apr 12, 2023 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	202313860
Last Transfer Date	Nov 20, 2023
Transfer Doc	0000047724
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	609 SUMMER STONE DR, O FALLON, MO 63368-7680
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 SUMMER STONE DR, O FALLON, MO 63368-7680

Mortgage

Document Number	0000034910
Date	Jun 22, 2022
Instrument	2022R-034910

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	May 15, 2032

November 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 20, 2023
Property Address	609 SUMMER STONE DR, O FALLON, MO 63368-7680
Document Number	0000047724
Map Reference	MB 38 PG 142
Instrument Date	Nov 20, 2023
Instrument	2023R-047724
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 SUMMER STONE DR, O FALLON, MO 63368-7680

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 12, 2023
Property Address	609 SUMMER STONE DR, O FALLON, MO 63368-7680
Document Number	0000013860
Map Reference	MB 38 PG 142
Instrument Date	Apr 11, 2023
Instrument	2023R-013860
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1077 BELL RD, WRIGHT CITY, MO 63390-2111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 SUMMER STONE DR, O FALLON, MO 63368-7680

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	609 SUMMER STONE DR, O FALLON, MO 63368-7680
Document Number	0000090104
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	609 SUMMER STONE DR O FALLON MO 633687680, O FALLON, MO 63368-7680

Mortgage

Document Number	0000090104
Date	Nov 19, 2020
Instrument	90104

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$47,191 (-32.78%)	$248,375 (-32.78%) Land $70,710 Building $177,665
2023	$70,203
2022		$369,492 Building $369,492

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Gateway Fiber.

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