3841 Chablis Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3841 Chablis Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,144 sqft · built 1987
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Company Names on Record
Last Sale	$278,000 (Jul 2019)
Tax Bill	$4,167 (2025)
Deeds & Mortgages	Jul 2025 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870002695`

Property Details

APN / Parcel Number

Primary APN	`A870002695`
Alternative APN	`3-0040-6109-00-0119.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,144 sqft Living Area
Gross Area	3,695 sqft
1st Floor Area	2,144 sqft
Basement Area	1,071 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	189 sqft
Patio Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A870002695
Street Address	3841 CHABLIS CT
City	SAINT CHARLES
State	MO
Zip	63304-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS #1 LOT 119
Legal Subdivision	VINEYARDS #1
Legal Lot Number	119
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1000
Census Tract	311132

Owner

Source: St. Charles County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	3841 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2025	Intrafamily Transfer, Transfer
Sep 14, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MTG
Jul 22, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2019 · Amount on Record
Deed Sale	Jul 22, 2019 · Amount on Record
Prior Sale	May 30, 2006
Deed Document Number	2019372840
Deed Book / Page	7108 / 2283
Last Transfer Date	Jul 11, 2025
Transfer Doc	0000031498
Record Updated	Oct 29, 2026

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 24, 2025
Property Address	3841 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Document Number	0000031498
Map Reference	MB 26 PG 23
Instrument Date	Jul 11, 2025
Instrument	2025R-031498
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3841 CHABLIS CT, SAINT CHARLES, MO 63304-1434

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3841 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Document Number	0000068831
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3841 CHABLIS CT ST CHARLES MO 633041434, ST CHARLES, MO 63304-1434

Mortgage

Document Number	0000068831
Date	Sep 17, 2020
Instrument	68831

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 22, 2019
Property Address	3841 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Document Number	0071082283
Book / Page	7108 / 2283
Map Reference	MB 26 PG 23
Instrument Date	Jul 18, 2019
Instrument	20190722000372840
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3841 CHABLIS CT, SAINT CHARLES, MO 63304-1434

Mortgage

Document Number	20190722000372850
Date	Jul 22, 2019
Instrument	20190722000372850

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$70,267 (-)	$369,825 (-) Land $65,000 Building $304,825
2025	$4,167.00 (+23.69%)	$70,267 (+13.88%)	$369,825 (+13.88%) Land $65,000 Building $304,825
2023		$61,700 (+17.77%)
2022	$3,369.00	$52,392	$324,739 (+17.77%) Land $55,000 Building $269,739
2021			$275,750 Land $55,000 Building $220,750

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 · 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	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 claims

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

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	0.03% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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