3912 Jacobs Lndg, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3912 Jacobs Lndg, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,637 sqft · built 1997
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (May 2026)
Tax Bill	$5,964 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit May 2026 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`A983000201`

Property Details

APN / Parcel Number

Primary APN	`A983000201`
Alternative APN	`3-0041-7722-00-0050.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,637 sqft Living Area
Gross Area	4,525 sqft
1st Floor Area	1,416 sqft
Basement Area	1,302 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	586 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	425 sqft
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A983000201
Street Address	3912 JACOBS LNDG
City	SAINT CHARLES
State	MO
Zip	63304-7489
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	TRAILS OF JACOBS SUMMIT LOT 50
Legal Subdivision	TRAILS OF JACOBS SUMMIT
Legal Lot Number	50
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 29, 2025	Warranty Deed, Transfer
Jun 29, 2022	Beneficiary Deed, Transfer
May 28, 2021	Special Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 21, 2019	Quit Claim Deed, Transfer QUICKEN LNS
Oct 21, 2019	Quit Claim Deed, Transfer AMROCK INC
Jan 10, 2018	Quit Claim Deed, Transfer QUICKEN LNS
Jan 11, 2018	Quit Claim Deed, Transfer TSI-RECORDING DEPT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Aug 29, 2025 · Amount on Record
Deed Document Number	202621245
Prior Transfer Date	Jun 28, 2022
Prior Transfer Doc	0000036163
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489

Mortgage

Document Number	0000017146
Date	Apr 29, 2025
Instrument	2025R-017146

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 17, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 6, 2026
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0000021245
Instrument Date	Apr 23, 2026
Instrument	202621245
Transaction Type	Transfer
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489

Mortgage

Document Number	0000021246,
Date	May 6, 2026
Instrument	202621246

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 29, 2025
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0000037912
Map Reference	MB 34 PG 86-89
Instrument Date	Aug 28, 2025
Instrument	2025R-037912
Transaction Type	Transfer
Record Updated	Oct 14, 2025

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 1000, 1000, TEMPE, AZ 85288-7095
Investor	Possibly a Property Investor

June 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 29, 2022
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0000036163
Map Reference	MB 34 PG 86-89
Instrument Date	Jun 28, 2022
Instrument	2022R-036163
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3912 JACOBS LNDG, 3912, SAINT CHARLES, MO 63304-7489

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 28, 2021
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	2021R046259
Map Reference	MB 34 PG 86-89
Instrument Date	May 6, 2021
Instrument	2021R-046259
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	PTA

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489

Mortgage

Document Number	2021R046260
Date	May 28, 2021
Instrument	2021R-046260

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 12, 2051

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 21, 2019
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0071651479
Book / Page	007165 / 001479
Instrument Date	Oct 14, 2019
Instrument	589410
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3912 JACOBS LNDG ST CHARLES MO 633047489, ST CHARLES, MO 63304-7489

Mortgage

Document Number	71651481
Date	Oct 21, 2019
Book Page	007165/001481
Instrument	589420

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 21, 2019
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0071651501
Book / Page	007165 / 001501
Instrument Date	Oct 14, 2019
Instrument	589430
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3912 JACOBS LNDG ST CHARLES MO 633047489, ST CHARLES, MO 63304-7489

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 10, 2018
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0068652078
Book / Page	006865 / 002078
Instrument Date	Dec 29, 2017
Instrument	20110
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	TSI-RECORDING DEPT

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3912 JACOBS LNDG ST CHARLES MO 633047489, ST CHARLES, MO 63304-7489

Mortgage

Document Number	68652080
Date	Jan 10, 2018
Book Page	006865/002080
Instrument	20120

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 11, 2018
Property Address	3912 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0068660725
Book / Page	006866 / 000725
Instrument Date	Dec 29, 2017
Instrument	22130
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	TSI-RECORDING DEPT

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3912 JACOBS LNDG ST CHARLES MO 633047489, ST 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		$96,317 (-4.41%)	$506,930 (-4.41%) Land $99,000 Building $407,930
2025	$5,964.00 (+9.25%)	$100,763 (+9.99%)	$530,333 (+9.99%) Building $530,333
2024	$5,459.00
2023		$91,611
2022			$482,161 Land $77,000 Building $405,161

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
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

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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