2986 Fox Bluff Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2986 Fox Bluff Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,000 sqft · built 1998
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on Record
Tax Bill	$5,376 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A975000078`

Property Details

APN / Parcel Number

Primary APN	`A975000078`
Alternative APN	`5-0080-7609-00-0102.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	4,000 sqft Living Area
Gross Area	5,219 sqft
1st Floor Area	2,300 sqft
Basement Area	2,300 sqft
Finished Basement	1,700 sqft
Unfinished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Siding
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	619 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A975000078
Street Address	2986 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 102
Legal Subdivision	FOX BLUFF EST
Legal Lot Number	102
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 11, 2026

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

Owner of Record	Company Name on Record
Mailing Address	600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage ATHENE ANNUITY LIFE COMPANY
Oct 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage NOMURA CORPORATE FUNDING AMERICAS LLC
Jun 14, 2023	Intrafamily Transfer, Transfer OS NATIONAL LLC
Jul 6, 2022	Warranty Deed, Transfer
Oct 26, 2020	Warranty Deed, Transfer · FHA Mortgage NBH BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023
Deed Sale	Jun 14, 2023
Prior Sale	Jul 6, 2022 · Amount on Record
Deed Document Number	202322903
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2026
Property Address	2986 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Document Number	0000036165
Instrument Date	Oct 23, 2025
Instrument	202636165
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership, 267

Mortgage

Document Number	0000036165,
Date	Jul 31, 2026
Instrument	202636165

Lender

Name	ATHENE ANNUITY LIFE COMPANY

Agreement

Type	Conventional Mortgage

Interest

Rate	6.3%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2986 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	OS NATIONAL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000042041
Date	Oct 12, 2023
Instrument	2023R-042041

Lender

Name	NOMURA CORPORATE FUNDING AMERICAS LLC
Type	Non-Lending Institution
Address	NEW YORK, NY 10019

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jun 14, 2023
Property Address	2986 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Document Number	0000022903
Map Reference	MB 33 PG 315
Instrument Date	Jun 13, 2023
Instrument	2023R-022903
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Mail Care Of	FIRST KEY HOMES LLC
Investor	Possibly a Property Investor

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 6, 2022
Property Address	2986 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Document Number	0000037631
Map Reference	MB 33 PG 315
Instrument Date	Jul 6, 2022
Instrument	2022R-037631
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 26, 2020
Property Address	2986 FOX BLUFF DR, SAINT CHARLES, MO 63301-3719
Document Number	0000081479
Instrument Date	Oct 20, 2020
Instrument	81479
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2986 FOX BLUFF DR ST CHARLES MO 633013719, ST CHARLES, MO 63301-3719

Mortgage

Document Number	81480
Date	Oct 26, 2020
Instrument	81480

Lender

Name	NBH BK NA
Type	Bank
Address	MONUMENT, CO 80132

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 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
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		$82,483 (-)	$434,123 (-) Building $434,123
2025	$5,376.00 (+25.26%)	$82,483 (+6.87%)	$434,123 (+6.87%)
2023		$77,183 (+25.12%)
2022	$4,292.00	$61,687	$406,225 (+25.12%) Building $406,225
2021			$324,666 Land $55,000 Building $269,666

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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