3921 Opal Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3921 Opal Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,084 sqft · built 1973
Lot Size	0.214 acres (9,360 sqft)
Owner	2 Individual Names on File
Last Sale	$166,897 (May 2017)
Tax Bill	$2,677 (2025)
Deeds & Mortgages	Dec 2020 Transfer May 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`491880A000`

Property Details

APN / Parcel Number

Primary APN	`491880A000`
Alternative APN	`3-0015-4010-00-0029.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,084 sqft Living Area
1st Floor Area	1,084 sqft
Basement Area	1,040 sqft
Finished Basement	260 sqft

Exterior

Year Built	Built 1973
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	9,360 sqft
Lot Dimensions	117 ft deep x 80 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	218 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	491880A000
Old Parcel Number	491880A000
Street Address	3921 OPAL DR
City	SAINT CHARLES
State	MO
Zip	63304-6853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	COPELAND HGTS LOT 29
Legal Range	04E
Legal Township	46N
Legal Subdivision	COPELAND HGTS
Legal Lot Number	29
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

3921 Opal Dr is owned by two individuals who bought it in May 2017.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8700 E CHENANGO AVE, DENVER, CO 80237-2915
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2020	Correction Deed, Transfer TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC
May 23, 2017	Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC
Feb 16, 2017	Deed of Trust, Mortgage OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2017 · Amount on File
Deed Sale	May 23, 2017 · Amount on File
Prior Sale	Nov 21, 2016 · Amount on File
Deed Document Number	0067472302
Deed Book / Page	6747 / 2302
Record Updated	Jun 8, 2026

December 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 17, 2020
Property Address	3921 OPAL DR, SAINT CHARLES, MO 63304-6853
Document Number	0000099264
Instrument Date	Dec 16, 2020
Instrument	99264
Transaction Type	Transfer
Record Updated	Mar 11, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3921 OPAL DR ST CHARLES MO 633046853, ST CHARLES, MO 63304-6853

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 23, 2017
Property Address	3921 OPAL DR, SAINT CHARLES, MO 63304-6853
Document Number	0067472302
Book / Page	006747 / 002302
Instrument Date	May 18, 2017
Instrument	316120
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8700 E CHENANGO AVE DENVER CO 802372915, DENVER, CO 80237-2915

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3921 OPAL DR, SAINT CHARLES, MO 63304-6853
Document Number	0067020671
Book / Page	006702 / 000671
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	202 KING DR ST CHARLES MO 633033506, ST CHARLES, MO 63303-3506

Mortgage

Document Number	0067020671
Date	Feb 21, 2017
Book Page	006702/000671
Instrument	109760

Lender

Address	PO BOX 38888, ST LOUIS, MO 63138-0888

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3921 Opal Dr was $2,677.

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	$2,677.00	$44,964	$236,651 Land $45,000 Building $191,651
2023		$44,083
2022			$232,017 Land $45,000 Building $187,017

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

FEMA maps place 3921 Opal Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

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

Wildfire risk around 3921 Opal Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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