3925 Opal Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3925 Opal Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,669 sqft · built 1969
Lot Size	0.403 acres (17,545 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,392 (Jul 2022)
Tax Bill	$3,277 (2025)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`491850A000`

Property Details

APN / Parcel Number

Primary APN	`491850A000`
Alternative APN	`3-0015-4010-00-0028.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,669 sqft Living Area
Gross Area	3,150 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	325 sqft
Unfinished Basement	1,019 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,545 sqft (0.403 acres)
Lot Dimensions	145 ft deep x 121 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	208 sqft
Patio Area	599 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	491850A000
Street Address	3925 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 28 & PT LOT 25
Legal Subdivision	COPELAND HGTS
Legal Lot Number	28
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	3925 OPAL DR, SAINT CHARLES, MO 63304-6853
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Jul 6, 2020 · Amount on Record
Deed Document Number	202239915
Prior Transfer Date	Aug 20, 2019
Prior Transfer Doc	0071260737
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 19, 2022
Property Address	3925 OPAL DR, SAINT CHARLES, MO 63304-6853
Document Number	0000039915
Map Reference	MB 9 PG 49
Instrument Date	Jul 7, 2022
Instrument	2022R-039915
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	OLD REPUBLIC TITLE, ORT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3925 OPAL DR, SAINT CHARLES, MO 63304-6853

Mortgage

Document Number	0000039916
Date	Jul 19, 2022
Instrument	2022R-039916

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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		$55,151 (-)	$290,268 (-) Land $45,000 Building $245,268
2025	$3,277.00 (+8.62%)	$55,151 (+9.4%)	$290,268 (+9.4%) Land $45,000 Building $245,268
2024	$3,017.00
2023		$50,413
2022			$265,332 Land $45,000 Building $220,332

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 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.

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