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3928 Opal Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3928 Opal Dr, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,008 sqft · built 1970
Lot Size0.44 acres (19,188 sqft)
Owner2 Individual Names on Record
Last Sale$150,400 (Mar 2020)
Tax Bill$2,623 (2025)
Deeds & MortgagesMar 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN491430A000

Property Details

APN / Parcel Number

Primary APN491430A000
Alternative APN
  • 3-0015-4010-00-0014.0000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,008 sqft Living Area
Gross Area2,448 sqft
1st Floor Area1,008 sqft
Basement Area960 sqft

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1970
Architectural StyleRanch
Exterior MaterialBrick/Stone
Roof TypeGable
Roof MaterialAsphalt
Lot Area19,188 sqft (0.44 acres)
Lot Dimensions234 ft deep x 82 ft wide
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area300 sqft
Deck AreaDeck Area
Patio Area585 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number491430A000
Street Address3928 OPAL DR
CitySAINT CHARLES
StateMO
Zip63304-6822
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF0
Legal DescriptionCOPELAND HGTS LOT 14
Legal SubdivisionCOPELAND HGTS
Legal Lot Number14
JurisdictionST CHARLES MO
Township / Civil DivisionHARVESTER
Census Block Group2
Census Block2005
Census Tract311149

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 Record2 Individual Names on Record
Mailing Address3928 OPAL DR, SAINT CHARLES, MO 63304-6822
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 9, 2020 · Amount on Record
Deed SaleMar 9, 2020 · Amount on Record
Prior SaleDec 31, 2015 · Amount on Record
Deed Document Number2020141620
Deed Book / Page7244 / 1144
Prior Transfer DateFeb 25, 2020
Prior Transfer Doc0072441144
Record UpdatedOct 29, 2026

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST CHARLES MO
Recording DateMar 9, 2020
Property Address3928 OPAL DR, SAINT CHARLES, MO 63304-6822
Document Number0072441144
Book / Page007244 / 001144
Instrument DateFeb 25, 2020
Instrument141620
Transaction TypeTransfer
Record UpdatedJun 24, 2020
Title CompanyCLOSELINE LLC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3928 OPAL DR ST CHARLES MO 633046822, ST CHARLES, MO 63304-6822

Mortgage

Document Number72441147
DateMar 9, 2020
Book Page007244/001147
Instrument141630
Lender
NameDAS ACQUISITION
AddressSAINT LOUIS, MO 63141
Agreement
AmountAmount Recorded
Term240 Months
DueMar 8, 2040

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$44,052 (-)$231,851 (-) Land $45,000 Building $186,851
2025$2,623.00$44,052 (+2.98%)$231,851 (+2.98%) Land $45,000 Building $186,851
2023$42,777
2022$225,143 Land $45,000 Building $180,143

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims11 (1979–2020)
Claims Outside the SFHA1 of 11
Most Recent ClaimAug 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 RiskLow
lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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