St. Charles County property record for 3811 Opal Dr, Saint Charles, MO 63304 · Last verified April 2026
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,368 sqft · built 1960 |
| Lot Size | 0.128 acres (5,580 sqft) |
| Owner | Company Name on File |
| Last Sale | $175,000 (Mar 2005) |
| Tax Bill | $2,493 (2025) |
| Deeds & Mortgages | Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 493050A000 |
| Primary APN | 493050A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,368 sqft Living Area |
| Gross Area | 2,560 sqft |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 1,280 sqft |
| Finished Basement | 1,088 sqft |
| Unfinished Basement | 192 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,580 sqft (0.128 acres) |
| Lot Dimensions | 62 ft deep x 90 ft wide |
| Garage Type | Carport |
| Garage Area | 264 sqft |
| Carport | Carport |
| Carport Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 493050A000 |
|---|---|
| Street Address | 3811 OPAL DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6819 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | COPELAND HGTS LOT 69 |
| Legal Subdivision | COPELAND HGTS |
| Legal Lot Number | 69 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 311149 |
Source: St. Charles County records · APN 493050A000
Assessment roll updated August 13, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1278 JUNGERMANN RD, F, SAINT PETERS, MO 63376-6964 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 02, 2005 · Amount on Record |
| Deed Sale | Mar 02, 2005 · Amount on Record |
| Prior Sale | Oct 01, 2004 · Amount on Record |
| Deed Document Number | 2005184410 |
| Deed Book / Page | 4113 / 829 |
| Prior Transfer Date | Sep 29, 2004 |
| Prior Transfer Doc | 0039910408 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3811 OPAL DR, SAINT CHARLES, MO 63304-6819 |
| Document Number | 0071330839 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 530 S MAIN ST ST CLAIR MO 630771515, ST CLAIR, MO 63077-1515 |
| Document Number | 0071330839 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 007133/000839 |
| Instrument | 465540 |
| Name | FARMERS & MERCHANTS BK/ST CLAI |
|---|---|
| Type | Bank |
| Address | SAINT CLAIR, MO 63077 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,493.00 (+1.22%) | $41,845 (+1.88%) | $220,239 (+1.88%) Land $35,000 Building $185,239 |
| 2024 | $2,463.00 | ||
| 2023 | $41,072 | ||
| 2022 | $216,173 Land $35,000 Building $181,173 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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