St. Charles County property record for 14 Oak Leaf Bluff Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,849 sqft · built 1999 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $216,000 (Jan 2011) |
| Tax Bill | $4,073 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Jul 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000948 |
| Primary APN | A983000948 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,849 sqft Living Area |
| Gross Area | 3,727 sqft |
| 1st Floor Area | 1,189 sqft |
| Basement Area | 1,153 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 8,712 sqft (0.2 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 155 sqft |
| Patio Area | 200 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A983000948 |
|---|---|
| Street Address | 14 OAK LEAF BLUFF CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK GROVE BLUFFS #3 LOT 78 |
| Legal Subdivision | OAK GROVE BLUFFS #3 |
| Legal Lot Number | 78 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 311150 |
14 Oak Leaf Bluff Ct is owned and occupied by an individual who acquired it in October 2025.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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, 2025 | Beneficiary Deed, Transfer |
| Jul 25, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2011 · Amount on File |
| Deed Sale | Jan 10, 2011 · Amount on File |
| Prior Sale | Mar 26, 2008 · Amount on File |
| Deed Document Number | 201123350 |
| Deed Book / Page | 5532 / 1626 |
| Last Transfer Date | Oct 17, 2025 |
| Transfer Doc | 0000046434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 17, 2025 |
| Property Address | 14 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Document Number | 0000046434 |
| Map Reference | MB 34 PG 281 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 2025R-046434 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 14 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 25, 2025 |
| Property Address | 14 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Document Number | 0000031825 |
| Map Reference | MB 34 PG 281 |
| Instrument Date | Jul 25, 2025 |
| Instrument | 2025R-031825 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
The 2025 property tax bill for 14 Oak Leaf Bluff Ct was $4,073, up 12.1% from the year before.
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 | $68,668 (-) | $361,409 (-) Land $70,000 Building $291,409 | |
| 2025 | $4,073.00 (+12.08%) | $68,668 | $361,409 Land $70,000 Building $291,409 |
| 2024 | $3,634.00 | ||
| 2023 | $60,816 | ||
| 2022 | $320,084 Land $55,000 Building $265,084 |
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 14 Oak Leaf Bluff Ct in Zone X, an area of minimal flood risk.
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 |
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 14 Oak Leaf Bluff Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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