4062 Jacobs Lndg, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4062 Jacobs Lndg, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,435 sqft · built 1999
Lot Size	0.36 acres (15,682 sqft)
Owner	Company Name on Record
Last Sale	$432,400 (Feb 2007)
Tax Bill	$5,970 (2025)
Deeds & Mortgages	May 2021 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A983000178`

Property Details

APN / Parcel Number

Primary APN	`A983000178`
Alternative APN	`3-0041-7722-00-0027.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,435 sqft Living Area
Gross Area	5,276 sqft
1st Floor Area	1,773 sqft
Basement Area	1,638 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Garage Area	703 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	276 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A983000178
Street Address	4062 JACOBS LNDG
City	SAINT CHARLES
State	MO
Zip	63304-7443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	TRAILS OF JACOBS SUMMIT LOT 27
Legal Subdivision	TRAILS OF JACOBS SUMMIT
Legal Lot Number	27
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 November 25, 2025

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

Owner of Record	Company Name on Record
Mailing Address	4062 JACOBS LNDG, SAINT CHARLES, MO 63304-7443
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Sep 9, 2020	Deed of Trust, Mortgage GUARANTEED RATE
Dec 1, 2017	Intrafamily Transfer, Transfer
Jan 3, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2007 · Amount on Record
Deed Sale	Feb 26, 2007 · Amount on Record
Prior Sale	May 22, 2006 · Amount on Record
Deed Document Number	2007158510
Deed Book / Page	4694 / 1403
Last Transfer Date	Nov 27, 2017
Transfer Doc	0068620327
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4062 JACOBS LNDG, SAINT CHARLES, MO 63304-7443
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4092 JACOBS LNDG, SAINT CHARLES, MO 63304-7497

Mortgage

Document Number	2021R041455
Date	May 12, 2021
Instrument	2021R-041455

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 11, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4062 JACOBS LNDG, SAINT CHARLES, MO 63304-7443
Document Number	0000068121
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4062 JACOBS LNDG ST CHARLES MO 633047443, ST CHARLES, MO 63304-7443

Mortgage

Document Number	0000068121
Date	Sep 15, 2020
Instrument	68121

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2050

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 1, 2017
Property Address	4062 JACOBS LNDG, SAINT CHARLES, MO 63304-7443
Document Number	0068462303
Book / Page	6846 / 2303
Map Reference	MB 34 PG 86-89
Instrument Date	Nov 27, 2017
Instrument	20171201000745230
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4062 JACOBS LNDG, SAINT CHARLES, MO 63304-7443

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 3, 2018
Property Address	4062 JACOBS LNDG, SAINT CHARLES, MO 63304-7443
Document Number	0068620327
Book / Page	006862 / 000327
Instrument Date	Nov 27, 2017
Instrument	4180
Transaction Type	Transfer
Record Updated	Jan 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4062 JACOBS LNDG ST CHARLES MO 633047443, ST CHARLES, MO 63304-7443

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	$5,970.00 (+9.99%)	$100,869 (+10.74%)	$530,891 (+10.74%) Land $90,000 Building $440,891
2024	$5,428.00
2023		$91,087
2022			$479,403 Land $70,000 Building $409,403

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	0.02% annual chance
Exposure	None beyond ember reach

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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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