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

St. Charles County property record for 620 Summer Stone Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,155 sqft · built 2002
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Dec 2025)
Tax Bill	$5,469 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T021700423`

Property Details

APN / Parcel Number

Primary APN	`T021700423`
Alternative APN	`4-069B-8837-00-0055.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,155 sqft Living Area
Gross Area	4,342 sqft
1st Floor Area	2,171 sqft
Basement Area	1,667 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	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	95 sqft
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021700423
Street Address	620 SUMMER STONE DR
City	O FALLON
State	MO
Zip	63368-7678
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER STONE VLG LOT 55
Legal Subdivision	SUMMER STONE VLG
Legal Lot Number	55
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3037
Census Tract	311153

Owner

Source: St. Charles County records, as of September 14, 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	620 SUMMER STONE DR, O FALLON, MO 63368-7678
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 8, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Prior Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	202554766
Prior Transfer Date	Jul 2, 2018
Prior Transfer Doc	0069470029
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	620 SUMMER STONE DR, O FALLON, MO 63368-7678
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 SUMMER STONE DR, O FALLON, MO 63368-7678

Mortgage

Document Number	0000021387
Date	Jun 5, 2023
Instrument	2023R-021387

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 8, 2025
Property Address	620 SUMMER STONE DR, O FALLON, MO 63368-7678
Document Number	0000054766
Map Reference	MB 38 PG 142
Instrument Date	Dec 1, 2025
Instrument	2025R-054766
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	UNKNOWN, LEADERS TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2721 POST MEADOWS DR, O FALLON, MO 63368-7097

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 SUMMER STONE DR, O FALLON, MO 63368-7678

Mortgage

Document Number	0000054767
Date	Dec 8, 2025
Instrument	2025R-054767

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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		$82,394 (-)	$433,650 (-) Land $70,710 Building $362,940
2025	$5,469.00 (-4.19%)	$82,394 (-1.42%)	$433,650 (-1.43%) Land $70,710 Building $362,940
2024	$5,708.00
2023		$83,585
2022			$439,920 Building $439,920

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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