St. Charles County property record for 3944 Opal Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,288 sqft · built 1965 |
| Lot Size | 0.745 acres (32,480 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $149,000 (Jul 2013) |
| Tax Bill | $3,030 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 491550A000 |
| Primary APN | 491550A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Basement Area | 1,288 sqft |
| Finished Basement | 690 sqft |
| Year Built | Built 1965 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 32,480 sqft |
| Lot Dimensions | 406 ft deep x 80 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 172 sqft |
| Patio Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 491550A000 |
|---|---|
| Old Parcel Number | 491550A000 |
| Street Address | 3944 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 18 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | COPELAND HGTS |
| Legal Lot Number | 18 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311149 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3944 OPAL DR, SAINT CHARLES, MO 63304-6822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2013 · Amount on Record |
| Deed Sale | Jul 11, 2013 · Amount on Record |
| Deed Document Number | 20130711000548740 |
| Deed Book / Page | 6055 / 1485 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3944 OPAL DR, SAINT CHARLES, MO 63304-6822 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3944 OPAL DR, SAINT CHARLES, MO 63304-6822 |
| Document Number | 0000003311 |
|---|---|
| Date | Jan 29, 2024 |
| Instrument | 2024R-003311 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 7, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,030.00 | $50,957 (+9.27%) | $268,192 (+9.27%) Land $45,000 Building $223,192 |
| 2023 | $46,634 | ||
| 2022 | $245,442 Land $45,000 Building $200,442 |
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.
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 |
|
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.
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.
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 |
| 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.
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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