2938 Fox Bluff Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2938 Fox Bluff Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,263 sqft · built 1998
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$297,000 (Dec 2015)
Tax Bill	$5,032 (2025)
Deeds & Mortgages	Jul 2026 Transfer Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A975000090`

Property Details

APN / Parcel Number

Primary APN	`A975000090`
Alternative APN	`5-0124-7609-00-0114.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,263 sqft Living Area
Gross Area	5,166 sqft
1st Floor Area	2,263 sqft
Basement Area	2,263 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A975000090
Street Address	2938 FOX BLUFF DR
City	SAINT CHARLES
State	MO
Zip	63301-3719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX BLUFF EST LOT 114
Legal Subdivision	FOX BLUFF EST
Legal Lot Number	114
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2021
Census Tract	310202

Owner

2938 Fox Bluff Dr is owned and occupied by two individuals who acquired it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2938 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Aug 20, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU
Sep 24, 2020	Deed of Trust, Mortgage FIRST FIN'L FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2015 · Amount on File
Deed Sale	Dec 3, 2015 · Amount on File
Prior Sale	Sep 3, 2002 · Amount on File
Deed Document Number	2015788090
Deed Book / Page	6458 / 1007
Last Transfer Date	Jul 9, 2026
Transfer Doc	0000032523
Record Updated	Oct 29, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 10, 2026
Property Address	2938 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Document Number	0000032523
Instrument Date	Jul 9, 2026
Instrument	202632523
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2938 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2938 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069642449
Date	Aug 20, 2018
Book Page	6964/2449
Instrument	20180820000473480

Lender

Name	FIRST FINANCIAL FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jul 27, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2938 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Document Number	0000073018
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2938 FOX BLUFF DR ST CHARLES MO 633013719, ST CHARLES, MO 63301-3719

Mortgage

Document Number	0000073018
Date	Sep 30, 2020
Instrument	73018

Lender

Name	FIRST FIN'L FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2938 Fox Bluff Dr was $5,032.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,171 (-)	$406,161 (-) Building $406,161
2025	$5,032.00	$77,171	$406,161 Building $406,161
2023		$71,879
2022			$378,310 Building $378,310

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.

Flood

FEMA maps place 2938 Fox Bluff Dr in Zone X, an area of minimal flood risk, though there have been 151 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	151 (1979–2022)
Claims Outside the SFHA	8 of 151
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 4 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 7 claims Severe Storms & Flooding, Aug 1993 · 66 claims

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

Wildfire risk around 2938 Fox Bluff Dr 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% 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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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