3920 Opal Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3920 Opal Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 1973
Lot Size	0.379 acres (16,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Jun 2019)
Tax Bill	$3,169 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`491370A000`

Property Details

APN / Parcel Number

Primary APN	`491370A000`
Alternative APN	`3-0015-4010-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	2,668 sqft
1st Floor Area	1,254 sqft
Basement Area	1,014 sqft
Finished Basement	494 sqft
Unfinished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,530 sqft (0.379 acres)
Lot Dimensions	190 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	756 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	491370A000
Street Address	3920 OPAL DR
City	SAINT CHARLES
State	MO
Zip	63304-6822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	COPELAND HGTS LOT 12
Legal Subdivision	COPELAND HGTS
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

Source: St. Charles County records, 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	2 Individual Names on Record
Mailing Address	3920 OPAL DR, SAINT CHARLES, MO 63304-6822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2019	Warranty Deed, Transfer · FHA Mortgage FRONTIER FINANCIAL INC
Jun 12, 2018	Deed of Trust, Mortgage · Line of Credit LINDELL BK&TR
Jun 1, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	2019320140
Deed Book / Page	7096 / 432
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 27, 2019
Property Address	3920 OPAL DR, SAINT CHARLES, MO 63304-6822
Document Number	0070960432
Book / Page	7096 / 0432
Map Reference	MB 9 PG 49
Instrument Date	Jun 24, 2019
Instrument	20190627000320140
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 THE PINES CT, 5, SAINT LOUIS, MO 63141-6191

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 OPAL DR, SAINT CHARLES, MO 63304-6822

Mortgage

Document Number	20190627000320150
Date	Jun 27, 2019
Instrument	20190627000320150

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3920 OPAL DR, SAINT CHARLES, MO 63304-6822
Document Number	0069381421
Instrument Date	Jun 12, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018
Title Company	CTC TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 THE PINES CT CREVE COEUR MO 631416191, CREVE COEUR, MO 63141-6191
Investor	Possibly a Property Investor

Mortgage

Document Number	0069381421
Date	Jun 25, 2018
Book Page	006938/001421
Instrument	352470

Lender

Name	LINDELL BK&TR
Type	Bank
Address	CHESTERFIELD, MO 63017

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 1, 2018
Property Address	3920 OPAL DR, SAINT CHARLES, MO 63304-6822
Document Number	0069270921
Book / Page	006927 / 000921
Instrument Date	May 24, 2018
Instrument	302940
Transaction Type	Foreclosure
Record Updated	Jun 26, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 THE PINES CT #D CREVE COEUR MO 631416193, D, CREVE COEUR, MO 63141-6193
Investor	Possibly a Property Investor

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		$53,315 (-)	$280,603 (-) Land $45,000 Building $235,603
2025	$3,169.00	$53,315 (+10.1%)	$280,603 (+10.1%) Land $45,000 Building $235,603
2023		$48,424
2022			$254,864 Land $45,000 Building $209,864

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 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% 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 381 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

May also be available: T-Mobile.

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