3906 Jacobs Lndg, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3906 Jacobs Lndg, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,336 sqft · built 1999
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$315,854 (Dec 1999)
Tax Bill	$5,215 (2022)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`T001100049`

Property Details

APN / Parcel Number

Primary APN	`T001100049`
Alternative APN	`3-0041-8274-00-0051.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,336 sqft Living Area
Gross Area	5,364 sqft
1st Floor Area	2,356 sqft
Basement Area	2,332 sqft
Finished Basement	980 sqft
Unfinished Basement	1,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	272 sqft

Location & Zoning

Account Number	T001100049
Street Address	3906 JACOBS LNDG
City	SAINT CHARLES
State	MO
Zip	63304-7489
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRAILS OF JACOBS SUMMIT RESUB LOT 51 & CG LOT 51
Legal Subdivision	TRAILS OF JACOB SUMMIT RESUB LOT 51&CG
Legal Lot Number	51
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

3906 Jacobs Lndg is owned and occupied by two individuals who acquired it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3906 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jul 1, 2021	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 1999 · Amount on File
Deed Sale	Dec 7, 1999 · Amount on File
Prior Sale	Jan 21, 1999 · Amount on File
Deed Document Number	199996455
Deed Book / Page	2338 / 1409
Last Transfer Date	Jun 28, 2021
Transfer Doc	0000055615
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3906 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3906 JACOBS LNDG, SAINT CHARLES, MO 63304-7489

Mortgage

Document Number	0000027949
Date	Mar 30, 2021
Instrument	2021R-027949

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 1, 2021
Property Address	3906 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0000055615
Map Reference	MB 36 PG 113
Instrument Date	Jun 28, 2021
Instrument	2021R-055615
Transaction Type	Transfer
Record Updated	Aug 16, 2023

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 Trust
Address	3906 JACOBS LNDG, SAINT CHARLES, MO 63304-7489

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		$91,533	$481,751 Land $25,722 Building $456,029
2023		$82,725 (+1.71%)
2022	$5,215.00	$81,337	$435,396 (+1.71%) Land $20,006 Building $415,390
2021			$428,090 Land $66,000 Building $362,090

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

FEMA maps place 3906 Jacobs Lndg in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 3906 Jacobs Lndg is low, with a 0.03% annual chance of 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 164 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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