St. Charles County property record for 16 Oak Leaf Bluff Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,498 sqft · built 1998 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $187,500 (Jul 2010) |
| Tax Bill | $3,927 (2024) |
| Deeds & Mortgages | May 2023 Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000949 |
| Primary APN | A983000949 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,498 sqft Living Area |
| Gross Area | 4,286 sqft |
| 1st Floor Area | 1,298 sqft |
| Basement Area | 1,242 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 11,761 sqft (0.27 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 180 sqft |
| Patio Area | 120 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A983000949 |
|---|---|
| Street Address | 16 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 79 |
| Legal Subdivision | OAK GROVE BLUFFS #3 |
| Legal Lot Number | 79 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 311150 |
16 Oak Leaf Bluff Ct is held in a trust since July 2010.
Source: St. Charles County records, as of August 13, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 16 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| May 17, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST STATE COMMUNITY BANK |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ENTERPRISE BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2010 · Amount on File |
| Deed Sale | Jul 28, 2010 · Amount on File |
| Prior Sale | Sep 30, 1998 · Amount on File |
| Deed Document Number | 2010457260 |
| Deed Book / Page | 5419 / 1155 |
| Prior Transfer Date | Jul 22, 2010 |
| Prior Transfer Doc | 0054191173 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 16 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Document Number | 0000018653 |
|---|---|
| Date | May 17, 2023 |
| Instrument | 2023R-018653 |
| Name | FIRST STATE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | POTOSI, MO 63664 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 16 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072820964 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 7282/964 |
| Instrument | 20200429000271350 |
| Name | ENTERPRISE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63132 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2035 |
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $74,379 | $391,466 Land $70,000 Building $321,466 | |
| 2024 | $3,927.00 | ||
| 2023 | $65,760 | ||
| 2022 | $346,105 Land $55,000 Building $291,105 |
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 16 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 16 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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