3948 Miller's Xing, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3948 Miller's Xing, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,546 sqft · built 1997
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$392,500 (Mar 2013)
Flood Zone	Zone X (minimal risk)
APN	`A983000195`

Property Details

APN / Parcel Number

Primary APN	`A983000195`
Alternative APN	`3-0041-7722-00-0044.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,546 sqft Living Area
1st Floor Area	2,546 sqft
Basement Area	2,506 sqft
Finished Basement	1,754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Ranch
Exterior Material	Brick Veneer
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Attached
Garage Area	838 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	116 sqft
Patio Area	116 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	A983000195
Old Parcel Number	A983000195
Street Address	3948 MILLERS XING
City	SAINT CHARLES
State	MO
Zip	63304-7487
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	TRAILS OF JACOBS SUMMIT LOT 44
Legal Range	04E
Legal Township	46N
Legal Subdivision	TRAILS OF JACOBS SUMMIT
Legal Lot Number	44
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

Source: St. Charles County assessment roll, APN A983000195, as of July 1, 2023 · Last verified October 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3948 MILLERS XING, SAINT CHARLES, MO 63304-7487
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 18, 2013 · Amount on Record
Deed Sale	Mar 18, 2013 · Amount on Record
Prior Sale	Jun 17, 2003
Deed Document Number	0059791301
Deed Book / Page	5979 / 1301
Record Updated	Jun 07, 2026

Tax Assessment & Valuation

Source: St. Charles County assessment roll as of July 1, 2023 · Last verified October 2023

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

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.

Year	Assessed Value	Assessed Market Value
2023	$93,077
2022		$489,878 Land $77,000 Building $412,878

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111321, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct 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, 164 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.