St. Charles County property record for 4088 Jacobs Lndg, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,685 sqft · built 2000 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,409 (2024) |
| Deeds & Mortgages | Jul 2026 Sale Jul 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000172 |
| Primary APN | A983000172 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,685 sqft Living Area |
| Gross Area | 4,758 sqft |
| 1st Floor Area | 1,678 sqft |
| Basement Area | 1,349 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 724 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 210 sqft |
| Account Number | A983000172 |
|---|---|
| Street Address | 4088 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 21 |
| Legal Subdivision | TRAILS OF JACOBS SUMMIT |
| Legal Lot Number | 21 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311132 |
Source: St. Charles County records · APN A983000172
Assessment roll updated August 13, 2025 · Last verified July 2026
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 |
|---|---|
| Mailing Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jul 07, 2026 | Special Warranty Deed, Transfer EXCEL TITLE CORPORATION, EXCEL TITLE |
| Jul 07, 2026 | Deed, Transfer · Conventional Mortgage GREAT SOUTHERN BANK |
| Jun 11, 2026 | Deed of Trust, Mortgage · Construction Mortgage STIFEL BANK AND TRUST |
| May 08, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 07, 2026 |
| Deed Sale | Jul 07, 2026 |
| Prior Sale | Jul 07, 2026 · Amount on Record |
| Deed Document Number | 202631695 |
| Prior Transfer Date | Aug 19, 2025 |
| Prior Transfer Doc | 0000036195 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 07, 2026 |
| Property Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Document Number | 0000031695 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202631695 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2026 |
| Title Company | EXCEL TITLE CORPORATION, EXCEL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 07, 2026 |
| Property Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Document Number | 0000031694 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202631694 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Document Number | 0000031696, |
|---|---|
| Date | Jul 07, 2026 |
| Instrument | 202631696 |
| Name | GREAT SOUTHERN BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 11, 2026 |
| Property Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Document Number | 0000027507 |
| Instrument Date | Jun 05, 2026 |
| Instrument | 202627507 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Document Number | 0000027507, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 202627507 |
| Name | STIFEL BANK AND TRUST |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2023 |
| Title Company | CONTINENTAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4088 JACOBS LNDG, SAINT CHARLES, MO 63304-7443 |
| Document Number | 0000017453 |
|---|---|
| Date | May 08, 2023 |
| Instrument | 2023R-017453 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $99,333 (+9.44%) | $522,805 (+9.44%) Building $522,805 | |
| 2024 | $5,409.00 | ||
| 2023 | $90,767 | ||
| 2022 | $477,722 Land $70,000 Building $407,722 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 163 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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