St. Charles County property record for 3846 Chablis Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,198 sqft · built 1987 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $236,900 (Sep 2019) |
| Tax Bill | $3,582 (2024) |
| Deeds & Mortgages | Oct 2026 Transfer Dec 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002705 |
| Primary APN | A870002705 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,198 sqft Living Area |
| Gross Area | 3,700 sqft |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 1,082 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 332 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870002705 |
|---|---|
| Street Address | 3846 CHABLIS CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VINEYARDS #1 LOT 129 |
| Legal Subdivision | VINEYARDS #1 |
| Legal Lot Number | 129 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311132 |
3846 Chablis Ct is owned and occupied by an individual who acquired it in September 2026.
Source: St. Charles County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3846 CHABLIS CT, SAINT CHARLES, MO 63304-1434 |
| 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.
| Date | Document |
|---|---|
| Oct 1, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 6, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 18, 2019 | Deed of Trust, Transfer DAS ACQUISITION |
| Feb 15, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2019 · Amount on File |
| Deed Sale | Sep 23, 2019 · Amount on File |
| Deed Document Number | 2019521360 |
| Deed Book / Page | 7147 / 1245 |
| Last Transfer Date | Sep 30, 2026 |
| Transfer Doc | 0000046798 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 1, 2026 |
| Property Address | 3846 CHABLIS CT, SAINT CHARLES, MO 63304-1434 |
| Document Number | 0000046798 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 202646798 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3846 CHABLIS CT, SAINT CHARLES, MO 63304-1434 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3846 CHABLIS CT, SAINT CHARLES, MO 63304-1434 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3846 CHABLIS CT, SAINT CHARLES, MO 63304-1434 |
| Document Number | 0000049582 |
|---|---|
| Date | Dec 6, 2023 |
| Instrument | 2023R-049582 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3846 CHABLIS CT, SAINT CHARLES, MO 63304-1434 |
| Document Number | 0071471247 |
| Instrument Date | Sep 18, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 3846 CHABLIS CT ST CHARLES MO 633041434, ST CHARLES, MO 63304-1434 |
| Document Number | 0071471247 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 007147/001247 |
| Instrument | 521370 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 22, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3846 CHABLIS CT, SAINT CHARLES, MO 63304-1434 |
| Document Number | 0068861626 |
| Instrument Date | Feb 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3846 CHABLIS CT ST CHARLES MO 633041434, ST CHARLES, MO 63304-1434 |
| Document Number | 0068861626 |
|---|---|
| Date | Mar 5, 2018 |
| Book Page | 006886/001626 |
| Instrument | 114840 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 4, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $68,610 (-) | $361,103 (-) Land $65,000 Building $296,103 | |
| 2025 | $68,610 | $361,103 Land $65,000 Building $296,103 | |
| 2024 | $3,582.00 | ||
| 2023 | $59,943 | ||
| 2022 | $315,490 Land $55,000 Building $260,490 |
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 3846 Chablis Ct in Zone X, an area of minimal flood risk, though there have been 26 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 | 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 |
|
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 3846 Chablis Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
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