3960 Miller's Xing, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3960 Miller's Xing, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,888 sqft · built 1997
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$426,900 (Oct 2016)
Tax Bill	$6,221 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A983000193`

Property Details

APN / Parcel Number

Primary APN	`A983000193`
Alternative APN	`3-0041-7722-00-0042.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,888 sqft Living Area
Gross Area	5,504 sqft
1st Floor Area	1,903 sqft
Basement Area	1,743 sqft
Finished Basement	777 sqft
Unfinished Basement	966 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A983000193
Street Address	3960 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 42
Legal Subdivision	TRAILS OF JACOBS SUMMIT
Legal Lot Number	42
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 August 13, 2025

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	3960 MILLERS XING, SAINT CHARLES, MO 63304-7487
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit ELECTRO SAVINGS CU
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2016 · Amount on Record
Deed Sale	Oct 4, 2016 · Amount on Record
Prior Sale	Jul 21, 1997 · Amount on Record
Deed Document Number	2016659570
Deed Book / Page	6625 / 762
Prior Transfer Date	Sep 8, 2014
Prior Transfer Doc	0062372188
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3960 MILLERS XING, SAINT CHARLES, MO 63304-7487
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 MILLERS XING, SAINT CHARLES, MO 63304-7487

Mortgage

Document Number	0000000059
Date	Jan 3, 2023
Instrument	2023R-000059

Lender

Name	ELECTRO SAVINGS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63146

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	232 Months
Due	May 26, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3960 MILLERS XING, SAINT CHARLES, MO 63304-7487
Transaction Type	Mortgage
Record Updated	Nov 10, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 MILLERS XING, SAINT CHARLES, MO 63304-7487

Mortgage

Document Number	2021R089390
Date	Oct 28, 2021
Instrument	2021R-089390

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$6,221.00 (+11.81%)	$105,125 (+12.58%)	$553,289 (+12.58%) Land $99,000 Building $454,289
2024	$5,564.00
2023		$93,376
2022			$491,451 Land $77,000 Building $414,451

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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