St. Charles County property record for 20 Oak Leaf Bluff Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,150 sqft · built 2000 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $214,000 (Oct 2007) |
| Tax Bill | $3,909 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Mar 2020 Loan Modification + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000951 |
| Primary APN | A983000951 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,150 sqft Living Area |
| Gross Area | 3,703 sqft |
| 1st Floor Area | 1,189 sqft |
| Basement Area | 1,153 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 155 sqft |
| Patio Area | 120 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A983000951 |
|---|---|
| Street Address | 20 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 81 |
| Legal Subdivision | OAK GROVE BLUFFS #3 |
| Legal Lot Number | 81 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 311150 |
Source: St. Charles County records, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 20 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 5, 2020 | Loan Modification, Mortgage · FHA Mortgage THE MONEY SOURCE INC |
| Mar 5, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Feb 22, 2017 | Warranty Deed, Transfer SECURITY TITLE COMPANY, SECURE TITLE INSURANCE |
| Feb 22, 2017 | Grant Deed, Transfer · FHA Mortgage FIRST CMNTY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2007 · Amount on Record |
| Deed Sale | Oct 9, 2007 · Amount on Record |
| Prior Sale | Apr 5, 2000 · Amount on Record |
| Deed Document Number | 2007833030 |
| Deed Book / Page | 4856 / 451 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 20 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 20 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Investor | Possibly a Property Investor |
| Document Number | 0000005416 |
|---|---|
| Date | Feb 12, 2024 |
| Instrument | 2024R-005416 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Feb 1, 2064 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 20 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Document Number | 0073061242 |
| Instrument Date | Mar 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 20 OAK LEAF BLUFF CT ST CHARLES MO 633045006, ST CHARLES, MO 63304-5006 |
| Document Number | 0073061242 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 007306/001242 |
| Instrument | 351790 |
| Name | THE MONEY SOURCE INC |
|---|---|
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 20 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Document Number | 0073061250 |
| Instrument Date | Mar 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 20 OAK LEAF BLUFF CT ST CHARLES MO 633045006, ST CHARLES, MO 63304-5006 |
| Document Number | 0073061250 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 007306/001250 |
| Instrument | 351800 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 22, 2017 |
| Property Address | 20 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Document Number | 0067021782 |
| Book / Page | 006702 / 001782 |
| Instrument Date | Feb 22, 2017 |
| Instrument | 111860 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2017 |
| Title Company | SECURITY TITLE COMPANY, SECURE TITLE INSURANCE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7161 BISHOP RD #250 PLANO TX 750243651, 250, PLANO, TX 75024-3651 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 22, 2017 |
| Property Address | 20 OAK LEAF BLUFF CT, SAINT CHARLES, MO 63304-5006 |
| Document Number | 0067021784 |
| Book / Page | 006702 / 001784 |
| Instrument Date | Feb 22, 2017 |
| Instrument | 111870 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 OAK LEAF BLUFF CT ST CHARLES MO 633045006, ST CHARLES, MO 63304-5006 |
| Document Number | 67021786 |
|---|---|
| Date | Feb 22, 2017 |
| Book Page | 006702/001786 |
| Instrument | 111880 |
| Name | FIRST CMNTY MTG |
|---|---|
| Type | Mortgage Company |
| Address | MURFREESBORO, TN 37129 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 21, 2047 |
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 | $65,874 (-) | $346,703 (-) Land $70,000 Building $276,703 | |
| 2025 | $3,909.00 | $65,874 (+13.42%) | $346,703 (+13.42%) Land $70,000 Building $276,703 |
| 2023 | $58,081 | ||
| 2022 | $305,687 Land $55,000 Building $250,687 |
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.
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.
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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