3924 Opal Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3924 Opal Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 1966
Lot Size	0.445 acres (19,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2021)
Tax Bill	$3,348 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`491400A000`

Property Details

APN / Parcel Number

Primary APN	`491400A000`
Alternative APN	`3-0015-4010-00-0013.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	1,420 sqft
Basement Area	1,120 sqft
Finished Basement	560 sqft
Unfinished Basement	560 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,401 sqft (0.445 acres)
Lot Dimensions	223 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	491400A000
Street Address	3924 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 13
Legal Subdivision	COPELAND HGTS
Legal Lot Number	13
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 September 10, 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	3924 OPAL DR, SAINT CHARLES, MO 63304-6822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	Jan 9, 2015 · Amount on Record
Deed Document Number	202158270
Prior Transfer Date	Jan 8, 2015
Prior Transfer Doc	0062911191
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 12, 2021
Property Address	3924 OPAL DR, SAINT CHARLES, MO 63304-6822
Document Number	2021R058270
Map Reference	MB 9 PG 49
Instrument Date	Jul 6, 2021
Instrument	2021R-058270
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1434 COBBLESTONE DR, 1434, SAINT CHARLES, MO 63304-6812

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3924 OPAL DR, SAINT CHARLES, MO 63304-6822

Mortgage

Document Number	2021R058271
Date	Jul 12, 2021
Instrument	2021R-058271

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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		$56,354 (-)	$296,598 (-) Land $45,000 Building $251,598
2025	$3,348.00 (+8.49%)	$56,354 (+9.26%)	$296,598 (+9.26%) Land $45,000 Building $251,598
2024	$3,086.00
2023		$51,578
2022			$271,464 Land $45,000 Building $226,464

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.

Nearby Properties on Opal Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures