2 Bluff Forest Ln, Saint Charles, MO 63304 Property Records

St. Charles County property record for 2 Bluff Forest Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,644 sqft · built 1992
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Company Names on File
Deeds & Mortgages	Mar 2021 Line of Credit Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A903000305`

Property Details

APN / Parcel Number

Primary APN	`A903000305`
Alternative APN	`3-0136-6563-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,644 sqft Living Area
Gross Area	5,918 sqft
1st Floor Area	2,644 sqft
Basement Area	2,602 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	115 sqft
Patio Area	992 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A903000305
Street Address	2 BLUFF FOREST LN
City	SAINT CHARLES
State	MO
Zip	63304-7466
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUFF FOREST RESUB LOT 2
Legal Subdivision	BLUFF FOREST RESUB
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2011
Census Tract	311148

Owner

Source: St. Charles County assessment roll, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	2 BLUFF FOREST LN, SAINT CHARLES, MO 63304-7466
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Jul 2, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jun 9, 2025
Transfer Doc	0000024627
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 BLUFF FOREST LN, SAINT CHARLES, MO 63304-7466
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 BLUFF FOREST LN, SAINT CHARLES, MO 63304-7466

Mortgage

Document Number	2021R019009
Date	Mar 4, 2021
Instrument	2021R-019009

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	236 Months
Due	Nov 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 BLUFF FOREST LN, SAINT CHARLES, MO 63304-7466
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070991660
Date	Jul 2, 2019
Book Page	7099/1660
Instrument	20190702000333820

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jun 24, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 BLUFF FOREST LN, SAINT CHARLES, MO 63304-7466
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073461411
Date	Jul 16, 2020
Book Page	7346/1411
Instrument	20200716000497000

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$87,893 (+1.2%)	$462,595 (+1.2%) Land $90,000 Building $372,595
2023	$86,855
2022		$457,131 Land $70,000 Building $387,131

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bluff Forest Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures