St. Charles County property record for 15 Oak Leaf Bluff Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,202 sqft · built 1998 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on File |
| Last Sale | $315,000 (May 2025) |
| Tax Bill | $3,998 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Nov 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000953 |
| Primary APN | A983000953 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,202 sqft Living Area |
| Gross Area | 3,833 sqft |
| 1st Floor Area | 1,217 sqft |
| Basement Area | 1,169 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Patio Area | 256 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A983000953 |
|---|---|
| Street Address | 15 OAK LEAF BLUFF CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK GROVE BLUFFS #3 LOT 83 |
| Legal Subdivision | OAK GROVE BLUFFS #3 |
| Legal Lot Number | 83 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 311150 |
15 Oak Leaf Bluff Ct is owned by a company that bought it in May 2025.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2207 N KONSTANZ DR, WRIGHT CITY, MO 63390-6529 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Sep 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Nov 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Nov 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Jun 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Oct 30, 2020 | Deed of Trust, Mortgage · Line of Credit WEST CMNTY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2025 · Amount on File |
| Deed Sale | May 29, 2025 · Amount on File |
| Prior Sale | Mar 5, 1999 · Amount on File |
| Deed Document Number | 202522302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Sep 12, 2025 |
| Property Address | 15 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5009 |
| Document Number | 2025091200216 |
| Map Reference | MB 34 PG 281 |
| Instrument Date | Sep 10, 2025 |
| Instrument | 2025091200216 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2207 N KONSTANZ DR, WRIGHT CITY, MO 63390-6529 |
| Name | Verified Name |
|---|---|
| Address | 15 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5009 |
| Document Number | 2025091200217 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 2025091200217 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5009 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 15 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5009 |
| Document Number | 2021R090439 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 2021R-090439 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5009 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0071891600 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 7189/1600 |
| Instrument | 20191127000681850 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5009 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073251878 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 7325/1878 |
| Instrument | 20200619000422640 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5009 |
| Document Number | 0000003818 |
| Instrument Date | Oct 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 OAK LEAF BLUFF CT ST CHARLES MO 633045009, ST CHARLES, MO 63304-5009 |
| Document Number | 0000003818 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 3818 |
| Name | WEST CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | O'FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 12, 2041 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 15 Oak Leaf Bluff Ct was $3,998, up 12.5% 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 | $67,385 (-) | $354,658 (-) Land $70,000 Building $284,658 | |
| 2025 | $3,998.00 (+12.49%) | $67,385 | $354,658 Land $70,000 Building $284,658 |
| 2024 | $3,554.00 | ||
| 2023 | $59,467 | ||
| 2022 | $312,983 Land $55,000 Building $257,983 |
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 15 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 15 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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