3844 Chablis Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3844 Chablis Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,385 sqft · built 1987
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$382,000 (Dec 2024)
Tax Bill	$3,685 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Dec 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A870002706`

Property Details

APN / Parcel Number

Primary APN	`A870002706`
Alternative APN	`3-0040-6109-00-0130.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,385 sqft Living Area
Gross Area	3,160 sqft
1st Floor Area	934 sqft
Basement Area	904 sqft
Finished Basement	529 sqft
Unfinished Basement	375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870002706
Street Address	3844 CHABLIS CT
City	SAINT CHARLES
State	MO
Zip	63304-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS #1 LOT 130
Legal Subdivision	VINEYARDS #1
Legal Lot Number	130
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 10, 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 Individual Names on Record
Mailing Address	3844 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Dec 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Jul 15, 2024	Warranty Deed, Transfer
Aug 9, 2018	Warranty Deed, Transfer · FHA Mortgage CONTINENTAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2024 · Amount on Record
Deed Sale	Dec 17, 2024 · Amount on Record
Prior Sale	Jul 15, 2024 · Amount on Record
Deed Document Number	202452684
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3844 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3844 CHABLIS CT, SAINT CHARLES, MO 63304-1434

Mortgage

Document Number	0000059632
Date	Nov 2, 2022
Instrument	2022R-059632

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Aug 1, 2048

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3844 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000052991
Date	Dec 18, 2024
Instrument	2024R-052991

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 15, 2024
Property Address	3844 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Document Number	0000027815
Map Reference	MB 26 PG 23
Instrument Date	Jul 12, 2024
Instrument	2024R-027815
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 9, 2018
Property Address	3844 CHABLIS CT, SAINT CHARLES, MO 63304-1434
Document Number	0069601338
Book / Page	6960 / 1338
Map Reference	MB 26 PG 23
Instrument Date	Jul 24, 2018
Instrument	20180809000453430
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 SAINT DAVID DR, 7, SAINT PETERS, MO 63376-1412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3844 CHABLIS CT, SAINT CHARLES, MO 63304-1434

Mortgage

Document Number	0000000000
Date	Aug 9, 2018
Instrument	20180809000453450

Lender

Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

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		$62,073 (-)	$326,698 (-) Land $65,000 Building $261,698
2025	$3,685.00	$62,073 (+4.79%)	$326,698 (+4.79%) Land $65,000 Building $261,698
2023		$59,234
2022			$311,759 Land $55,000 Building $256,759

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	0.01% 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	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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