3918 Jacobs Lndg, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3918 Jacobs Lndg, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,058 sqft · built 1997
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$428,000 (Aug 2020)
Tax Bill	$5,688 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A983000200`

Property Details

APN / Parcel Number

Primary APN	`A983000200`
Alternative APN	`3-0041-7722-00-0049.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,058 sqft Living Area
1st Floor Area	2,058 sqft
Basement Area	1,978 sqft
Finished Basement	1,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	175 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	A983000200
Old Parcel Number	A983000200
Street Address	3918 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 49
Legal Range	04E
Legal Township	46N
Legal Subdivision	TRAILS OF JACOBS SUMMIT
Legal Lot Number	49
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 March 16, 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
Co-owner	Co-owner on Record
Mailing Address	3918 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Jun 11, 2019	Warranty Deed, Transfer · FHA Mortgage ENDEAVOR CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2020 · Amount on Record
Deed Sale	Aug 27, 2020 · Amount on Record
Prior Sale	Jun 11, 2019 · Amount on Record
Deed Document Number	0073822233
Deed Book / Page	7382 / 2233
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 27, 2020
Property Address	3918 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0073822233
Book / Page	7382 / 2233
Map Reference	MB 34 PG 86-89
Instrument Date	Jul 7, 2020
Instrument	20200827000626240
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3918 JACOBS LNDG, SAINT CHARLES, MO 63304-7489

Mortgage

Document Number	20200827000626250
Date	Aug 27, 2020
Instrument	20200827000626250

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 11, 2019
Property Address	3918 JACOBS LNDG, SAINT CHARLES, MO 63304-7489
Document Number	0070871884
Book / Page	007087 / 001884
Instrument Date	Jun 6, 2019
Instrument	285580
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3918 JACOBS LNDG ST CHARLES MO 633047489, ST CHARLES, MO 63304-7489

Mortgage

Document Number	70871888
Date	Jun 11, 2019
Book Page	007087/001888
Instrument	285600

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$5,688.00	$96,077 (+13.25%)	$505,668 (+13.25%) Land $99,000 Building $406,668
2023		$84,837
2022			$446,511 Land $77,000 Building $369,511

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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