St. Charles County property record for 3839 Duchess Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,544 sqft · built 1984 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Mar 2024) |
| Tax Bill | $2,455 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 495958A004 |
| Primary APN | 495958A004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,544 sqft Living Area |
| Gross Area | 2,064 sqft |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 552 sqft |
| Finished Basement | 512 sqft |
| Unfinished Basement | 40 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | Deck Area |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 495958A004 |
|---|---|
| Street Address | 3839 DUCHESS DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7090 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | LEXINGTON SQ #6 RESUB LOT 13 |
| Legal Subdivision | LEXINGTON SQ #6 RESUB LAGOON |
| Legal Lot Number | 13 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 311149 |
3839 Duchess Dr is owned and occupied by two individuals who bought it in March 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3839 DUCHESS DR, SAINT CHARLES, MO 63304-7090 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2024 · Amount on File |
| Deed Sale | Mar 28, 2024 · Amount on File |
| Prior Sale | May 15, 2013 · Amount on File |
| Deed Document Number | 202411456 |
| Prior Transfer Date | Sep 7, 2012 |
| Prior Transfer Doc | 0059820561 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 28, 2024 |
| Property Address | 3839 DUCHESS DR, SAINT CHARLES, MO 63304-7090 |
| Document Number | 0000011456 |
| Map Reference | MB 22 PG 175 |
| Instrument Date | Mar 24, 2024 |
| Instrument | 2024R-011456 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3839 DUCHESS DR, SAINT CHARLES, MO 63304-7090 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3839 DUCHESS DR, SAINT CHARLES, MO 63304-7090 |
| Document Number | 0000011457 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 2024R-011457 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
The 2025 property tax bill for 3839 Duchess Dr was $2,455.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,197 (-) | $216,827 (-) Land $55,000 Building $161,827 | |
| 2025 | $2,455.00 | $41,197 | $216,827 Land $55,000 Building $161,827 |
| 2023 | $42,012 | ||
| 2022 | $221,118 Land $55,000 Building $166,118 |
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.
FEMA maps place 3839 Duchess Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
|
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.
Wildfire risk around 3839 Duchess Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 381 locations within half a mile, as of December 31, 2025
| 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 |
May also be available: T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures