3913 Jacobs Lndg, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3913 Jacobs Lndg, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,617 sqft · built 1998
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$293,524 (Jul 1998)
Tax Bill	$6,015 (2025)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A983000205`

Property Details

APN / Parcel Number

Primary APN	`A983000205`
Alternative APN	`3-0041-7722-00-0054.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,617 sqft Living Area
Gross Area	5,984 sqft
1st Floor Area	2,617 sqft
Basement Area	2,569 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	798 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	108 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A983000205
Street Address	3913 JACOBS LNDG
City	SAINT CHARLES
State	MO
Zip	63304-7491
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	TRAILS OF JACOBS SUMMIT LOT 54
Legal Subdivision	TRAILS OF JACOBS SUMMIT
Legal Lot Number	54
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

Source: St. Charles County records · APN A983000205

Assessment roll updated August 7, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3913 JACOBS LNDG, SAINT CHARLES, MO 63304-7491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 29, 1998 · Amount on Record
Deed Sale	Jul 29, 1998 · Amount on Record
Deed Document Number	199859485
Deed Book / Page	2107 / 1988
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3913 JACOBS LNDG, SAINT CHARLES, MO 63304-7491
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069240599
Date	May 25, 2018
Book Page	6924/0599
Instrument	20180525000289970

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,631 (-)	$534,898 (-) Building $534,898
2025	$6,015.00	$101,631 (+12.91%)	$534,898 (+12.91%)
2023		$90,008
2022			$473,724 Land $77,000 Building $396,724

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111321, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 164 locations within half a mile of this property.

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.