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3932 Opal Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3932 Opal Dr, Saint Charles, MO 63304 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,254 sqft · built 1973
Lot Size0.405 acres (17,666 sqft)
OwnerIndividual Name on File
Last Sale$160,000 (Apr 2007)
Tax Bill$3,000 (2025)
Deeds & MortgagesJan 2022 Sale
Flood ZoneZone X (minimal risk)
APN491460A000

Property Details

APN / Parcel Number

Primary APN491460A000
Alternative APN
  • 3-0015-4010-00-0015.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,254 sqft Living Area
1st Floor Area1,254 sqft
Basement Area1,014 sqft

Exterior

Year BuiltBuilt 1973
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area17,666 sqft
Lot Dimensions242 ft deep x 73 ft wide
Garage TypeAttached
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area220 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number491460A000
Old Parcel Number491460A000
Street Address3932 OPAL DR
CitySAINT CHARLES
StateMO
Zip63304-6822
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOPELAND HGTS LOT 15
Legal Range04E
Legal Township46N
Legal SubdivisionCOPELAND HGTS
Legal Lot Number15
JurisdictionST CHARLES MO
Township / Civil DivisionHARVESTER
Census Block Group2
Census Block2005
Census Tract311149

Owner

Source: St. Charles County records · APN 491460A000

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3932 OPAL DR, SAINT CHARLES, MO 63304-6822
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 23, 2007 · Amount on Record
Deed SaleApr 23, 2007 · Amount on Record
Deed Document Number0000047371
Deed Book / Page4737 / 1
Record UpdatedJun 08, 2026

January 2022: Beneficiary Deed, Transfer

Document TypeBeneficiary Deed
JurisdictionST CHARLES MO
Recording DateJan 21, 2022
Property Address3932 OPAL DR, SAINT CHARLES, MO 63304-6822
Document Number0000004498
Map ReferenceMB 9 PG 49
Instrument DateJan 19, 2022
Instrument2022R-004498
Transaction TypeTransfer
Record UpdatedFeb 03, 2022

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3932 OPAL DR, 3932, SAINT CHARLES, MO 63304-6822

Transferred To (Grantee/Buyer)

NameVerified Name
Address3932 OPAL DR, SAINT CHARLES, MO 63304-6822

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,000.00$50,459 (+9.4%)$265,573 (+9.4%) Land $45,000 Building $220,573
2023$46,124
2022$242,758 Land $45,000 Building $197,758

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111492, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
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 Storm
  • Severe Storms & Flooding, Jul 1993 · 5 claims

Wildfire

Wildfire RiskLow
less than 1% of the US · less than 1% of Missouri
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 381 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
AT&TDSL100 / 20

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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