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

St. Charles County property record for 615 Summer Stone Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,455 sqft · built 2002
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$422,000 (Dec 2024)
Tax Bill	$6,345 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T021700434`

Property Details

APN / Parcel Number

Primary APN	`T021700434`
Alternative APN	`4-069B-8837-00-0066.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,455 sqft Living Area
Gross Area	4,673 sqft
1st Floor Area	2,822 sqft
Basement Area	1,170 sqft
Finished Basement	633 sqft
Unfinished Basement	537 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	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	681 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021700434
Street Address	615 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 66
Legal Subdivision	SUMMER STONE VLG
Legal Lot Number	66
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	2 Individual Names on Record
Mailing Address	615 SUMMER STONE DR, O FALLON, MO 63368-7680
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Aug 4, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 20, 2017	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2024 · Amount on Record
Deed Sale	Dec 26, 2024 · Amount on Record
Prior Sale	Aug 5, 2024 · Amount on Record
Deed Document Number	202454052
Prior Transfer Date	Apr 17, 2006
Prior Transfer Doc	0044720265
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	615 SUMMER STONE DR, O FALLON, MO 63368-7680
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 SUMMER STONE DR, O FALLON, MO 63368-7680

Mortgage

Document Number	0000053601
Date	Dec 1, 2025
Instrument	2025R-053601

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	615 SUMMER STONE DR, O FALLON, MO 63368-7680
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 SUMMER STONE DR, O FALLON, MO 63368-7680

Mortgage

Document Number	2021R065116
Date	Aug 4, 2021
Instrument	2021R-065116

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Dec 1, 2047

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 20, 2017
Property Address	615 SUMMER STONE DR, O FALLON, MO 63368-7680
Document Number	0068411108
Book / Page	6841 / 1108
Map Reference	MB 38 PG 142
Instrument Date	Nov 15, 2017
Instrument	20171120000722690
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 RAMBLEWOOD WAY, 413, WENTZVILLE, MO 63385-5037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 SUMMER STONE DR, O FALLON, MO 63368-7680

Mortgage

Document Number	20171120000722700
Date	Nov 20, 2017
Instrument	20171120000722700

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$95,695 (-)	$503,655 (-) Land $70,710 Building $432,945
2025	$6,345.00	$95,695 (+7.06%)	$503,655 (+7.06%) Land $70,710 Building $432,945
2023		$89,386
2022			$470,453 Building $470,453

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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