2961 Fox Bluff Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2961 Fox Bluff Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,647 sqft · built 1998
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,652 (2022)
Deeds & Mortgages	Aug 2021 Mortgage May 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A975000098`

Property Details

APN / Parcel Number

Primary APN	`A975000098`
Alternative APN	`5-0124-7609-00-0122.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,647 sqft Living Area
Gross Area	5,899 sqft
1st Floor Area	2,647 sqft
Basement Area	2,602 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Deck Area	Deck Area
Patio Area	779 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A975000098
Street Address	2961 FOX BLUFF DR
City	SAINT CHARLES
State	MO
Zip	63301-3720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX BLUFF EST LOT 122
Legal Subdivision	FOX BLUFF EST
Legal Lot Number	122
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2021
Census Tract	310202

Owner

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	2 Company Names on Record
Mailing Address	2961 FOX BLUFF DR, SAINT CHARLES, MO 63301-3720
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 14, 2025	Intrafamily Transfer, Transfer
May 14, 2025	Affidavit of Death of Joint Tenant, Transfer
May 13, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2016
Deed Sale	Oct 3, 2016
Prior Sale	Nov 8, 2010 · Amount on Record
Deed Document Number	2016653240
Deed Book / Page	6623 / 1565
Prior Transfer Date	Oct 28, 2010
Prior Transfer Doc	0000747630
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2961 FOX BLUFF DR, SAINT CHARLES, MO 63301-3720
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2961 FOX BLUFF DR, SAINT CHARLES, MO 63301-3720

Mortgage

Document Number	0000064763
Date	Aug 3, 2021
Instrument	2021R-064763

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2025
Property Address	2961 FOX BLUFF DR, SAINT CHARLES, MO 63301-3720
Document Number	0000019777
Map Reference	MB 33 PG 315
Instrument Date	May 13, 2025
Instrument	2025R-019777
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	2961 FOX BLUFF DR, SAINT CHARLES, MO 63301-3720

May 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2025
Property Address	2961 FOX BLUFF DR, SAINT CHARLES, MO 63301-3720
Document Number	0000019758
Map Reference	MB 33 PG 315
Instrument Date	May 13, 2025
Instrument	2025R-019758
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 13, 2021
Property Address	2961 FOX BLUFF DR, SAINT CHARLES, MO 63301-3720
Document Number	0000041887
Map Reference	MB 33 PG 315
Instrument Date	May 12, 2021
Instrument	2021R-041887
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	2961 FOX BLUFF DR, SAINT CHARLES, MO 63301-3720

Tax Assessment & Valuation

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		$89,394 (-)	$470,494 (-) Building $470,494
2025		$89,394 (+6.41%)	$470,494 (+6.41%)
2023		$84,010 (+25.58%)
2022	$4,652.00	$66,899	$442,158 (+25.58%) Building $442,158
2021			$352,098 Land $55,000 Building $297,098

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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