St. Charles County property record for 3801 Opal Dr, Saint Charles, MO 63304
| Property Type | Commercial |
|---|---|
| Details | 1 ba · 1,610 sqft · built 1960 |
| Lot Size | 0.225 acres (9,828 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $4,000 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 493140A000 |
| Primary APN | 493140A000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,610 sqft Total Area |
| 1st Floor Area | 1,610 sqft |
| Year Built | Built 1960 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Lot Area | 9,828 sqft |
| Lot Dimensions | 126 ft deep x 78 ft wide |
| Garage Type | Attached |
| Porch | Porch |
| Porch Area | 390 sqft |
| Sewer | Connected |
|---|
| Account Number | 493140A000 |
|---|---|
| Old Parcel Number | 493140A000 |
| Street Address | 3801 OPAL DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6819 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | AF0 |
| Legal Description | COPELAND HGTS LOT 72 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | COPELAND HGTS |
| Legal Lot Number | 72 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 311149 |
Source: St. Charles County records · APN 493140A000
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 9 SAINT ANNS DR, SAINT PETERS, MO 63376-3803 |
| Deed Names | Verified Name on Deed |
|---|---|
| Prior Sale | Jul 14, 2003 · Amount on Record |
| Last Transfer Date | Dec 26, 2014 |
| Transfer Doc | 0062852016 |
| Record Updated | Jun 08, 2026 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,000.00 | $61,868 (+6.88%) | $193,336 (+6.88%) Land $45,000 Building $148,336 |
| 2023 | $57,884 | ||
| 2022 | $180,886 Land $45,000 Building $135,886 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 5 in force |
| Nearby Flood Claims | 11 (1979–2020) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
| Claims by Event |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 526 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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