St. Charles County property record for 653 Jacobs Station Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,304 sqft · built 1964 |
| Lot Size | 0.413 acres (18,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Oct 2023) |
| Tax Bill | $3,294 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Nov 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 581385A000 |
| Primary APN | 581385A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| Gross Area | 2,504 sqft |
| 1st Floor Area | 1,304 sqft |
| Basement Area | 912 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,000 sqft (0.413 acres) |
| Lot Dimensions | 180 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 581385A000 |
|---|---|
| Street Address | 653 JACOBS STATION RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SKYVIEW #1 LOT 1 NOT IN SUB |
| Legal Subdivision | SKYVIEW #1 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 311132 |
653 Jacobs Station Rd is owned and occupied by an individual who bought it in October 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 653 JACOBS STATION RD, SAINT CHARLES, MO 63304-7427 |
| 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.
| Date | Document |
|---|---|
| Oct 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC |
| Nov 14, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2023 · Amount on File |
| Deed Sale | Oct 17, 2023 · Amount on File |
| Deed Document Number | 202342622 |
| Prior Transfer Date | Nov 10, 2022 |
| Prior Transfer Doc | 0000061198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 17, 2023 |
| Property Address | 653 JACOBS STATION RD, SAINT CHARLES, MO 63304-7427 |
| Document Number | 0000042622 |
| Map Reference | MB 10 PG 27 |
| Instrument Date | Oct 12, 2023 |
| Instrument | 2023R-042622 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 SANTA FE TRAIL CT, SAINT PETERS, MO 63376-4265 |
| Name | Verified Name |
|---|---|
| Address | 653 JACOBS STATION RD, SAINT CHARLES, MO 63304-7427 |
| Document Number | 0000042623 |
|---|---|
| Date | Oct 17, 2023 |
| Instrument | 2023R-042623 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | SCOTTSDALE, AZ 85260 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 14, 2022 |
| Property Address | 653 JACOBS STATION RD, SAINT CHARLES, MO 63304-7427 |
| Document Number | 0000061198 |
| Map Reference | MB 10 PG 27 |
| Instrument Date | Nov 10, 2022 |
| Instrument | 2022R-061198 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 653 JACOBS STATION RD, SAINT CHARLES, MO 63304-7427 |
The 2025 property tax bill for 653 Jacobs Station Rd was $3,294.
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $55,443 (-) | $291,806 (-) Building $291,806 | |
| 2025 | $3,294.00 | $55,443 | $291,806 |
| 2023 | $50,288 | ||
| 2022 | $264,672 Building $264,672 |
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 653 Jacobs Station Rd 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 653 Jacobs Station Rd is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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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