3909 Opal Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3909 Opal Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 1968
Lot Size	0.114 acres (4,984 sqft)
Owner	Company Name on File
Last Sale	$215,000 (Jul 2021)
Tax Bill	$3,211 (2025)
Deeds & Mortgages	Jul 2021 Sale Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`492060A000`

Property Details

APN / Parcel Number

Primary APN	`492060A000`
Alternative APN	`3-0015-4010-00-0035.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
Gross Area	3,360 sqft
1st Floor Area	1,596 sqft
Basement Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,984 sqft (0.114 acres)
Lot Dimensions	56 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	492060A000
Street Address	3909 OPAL DR
City	SAINT CHARLES
State	MO
Zip	63304-6821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	COPELAND HGTS LOT 35
Legal Subdivision	COPELAND HGTS
Legal Lot Number	35
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5001 PLAZA ON THE LK, 200, AUSTIN, TX 78746-1053
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Warranty Deed, Transfer
Jul 30, 2021	Warranty Deed, Transfer
Jul 30, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Jul 30, 2021
Deed Document Number	202164075
Prior Transfer Date	Jul 23, 2021
Prior Transfer Doc	2021R064008
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 30, 2021
Property Address	3909 OPAL DR, SAINT CHARLES, MO 63304-6821
Document Number	2021R064075
Map Reference	MB 9 PG 49
Instrument Date	Jul 28, 2021
Instrument	2021R-064075
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3201 S BRENTWOOD BLVD, 3201, SAINT LOUIS, MO 63119-1780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053
Investor	Possibly a Property Investor

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 30, 2021
Property Address	3909 OPAL DR, SAINT CHARLES, MO 63304-6821
Document Number	2021R064009
Map Reference	MB 9 PG 49
Instrument Date	Jul 28, 2021
Instrument	2021R-064009
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1405 STERLING PINES CT, 1405, ARNOLD, MO 63010-1055

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3201 S BRENTWOOD BLVD, SAINT LOUIS, MO 63119-1780

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 30, 2021
Property Address	3909 OPAL DR, SAINT CHARLES, MO 63304-6821
Document Number	2021R064008
Map Reference	MB 9 PG 49
Instrument Date	Jul 23, 2021
Instrument	2021R-064008
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 STERLING PINES CT, ARNOLD, MO 63010-1055

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		$54,036 (-9.44%)	$284,400 (-9.44%) Land $45,000 Building $239,400
2025	$3,211.00 (-2.31%)	$59,668 (+8.53%)	$314,043 (+8.53%) Land $45,000 Building $269,043
2024	$3,287.00
2023		$54,978
2022			$289,358 Land $45,000 Building $244,358

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	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	Severe Storms & Flooding, Jul 1993 · 5 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 526 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
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

3909 Opal Dr, Saint Charles, MO 63304 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Opal Dr

Nearby Streets

Search Property Records by Address or Parcel Number