3954 Miller's Xing, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3954 Miller's Xing, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,787 sqft · built 1997
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Apr 2026)
Tax Bill	$5,955 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Feb 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A983000194`

Property Details

APN / Parcel Number

Primary APN	`A983000194`
Alternative APN	`3-0041-7722-00-0043.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,787 sqft Living Area
Gross Area	4,506 sqft
1st Floor Area	2,587 sqft
Basement Area	1,268 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	Deck Area
Patio Area	780 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A983000194
Street Address	3954 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 43
Legal Subdivision	TRAILS OF JACOBS SUMMIT
Legal Lot Number	43
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

Source: St. Charles County records, as of September 11, 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	3954 MILLERS XING, SAINT CHARLES, MO 63304-7487
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Feb 16, 2024	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	Feb 16, 2024 · Amount on Record
Deed Document Number	202614718
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2026
Property Address	3954 MILLERS XING, SAINT CHARLES, MO 63304-7487
Document Number	0000014718
Instrument Date	Mar 27, 2026
Instrument	202614718
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	LEADERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3954 MILLERS XING, SAINT CHARLES, MO 63304-7487

Mortgage

Document Number	0000014719,
Date	Apr 1, 2026
Instrument	202614719

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 16, 2024
Property Address	3954 MILLERS XING, SAINT CHARLES, MO 63304-7487
Document Number	0000006087
Map Reference	MB 34 PG 86
Instrument Date	Feb 12, 2024
Instrument	2024R-006087
Transaction Type	Transfer
Record Updated	Feb 29, 2024
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4001 HIGHWAY 109, EUREKA, MO 63025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3954 MILLERS XING, SAINT CHARLES, MO 63304-7487

Mortgage

Document Number	0000006089
Date	Feb 16, 2024
Instrument	2024R-006089

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

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		$100,611 (-)	$529,532 (-) Building $529,532
2025	$5,955.00 (+7.9%)	$100,611 (+8.64%)	$529,532 (+8.64%) Building $529,532
2024	$5,519.00
2023		$92,612
2022			$487,431 Land $77,000 Building $410,431

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	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

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

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

Cell Coverage

4G LTE only, no 5G reported

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