St. Charles County property record for 4087 Jacobs Lndg, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,566 sqft · built 2002 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $338,000 (Sep 2011) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000243 |
| Primary APN | A983000243 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,566 sqft Living Area |
| Gross Area | 5,784 sqft |
| 1st Floor Area | 2,566 sqft |
| Basement Area | 2,518 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Patio Area | 308 sqft |
| Account Number | A983000243 |
|---|---|
| Street Address | 4087 JACOBS LNDG |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7495 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AD9 |
| Legal Description | TRAILS OF JACOBS SUMMIT LOT 92 |
| Legal Subdivision | TRAILS OF JACOBS SUMMIT |
| Legal Lot Number | 92 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311132 |
4087 Jacobs Lndg is owned and occupied by two individuals who bought it in September 2011.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4087 JACOBS LNDG, SAINT CHARLES, MO 63304-7495 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2011 · Amount on File |
| Deed Sale | Sep 9, 2011 · Amount on File |
| Prior Sale | Mar 24, 2003 · Amount on File |
| Deed Document Number | 2011532420 |
| Deed Book / Page | 5635 / 2103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4087 JACOBS LNDG, SAINT CHARLES, MO 63304-7495 |
| Document Number | 0000095274 |
| Instrument Date | Nov 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4087 JACOBS LNDG ST CHARLES MO 633047495, ST CHARLES, MO 63304-7495 |
| Document Number | 0000095274 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 95274 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 6, 2035 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $101,407 | $533,720 Building $533,720 |
| 2023 | $89,844 | |
| 2022 | $472,862 Land $70,000 Building $402,862 |
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.
FEMA maps place 4087 Jacobs Lndg in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.
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 |
|
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 risk around 4087 Jacobs Lndg is low, with a 0.02% annual chance of 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.
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 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 |
5G (outdoors only) and 4G LTE
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