St. Charles County property record for 3 Big Bluff Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,446 sqft · built 1994 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Company Name on File |
| Last Sale | $462,574 (Jul 2022) |
| Tax Bill | $4,696 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jul 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A893000226 |
| Primary APN | A893000226 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,446 sqft Living Area |
| Gross Area | 4,810 sqft |
| 1st Floor Area | 2,046 sqft |
| Basement Area | 2,020 sqft |
| Finished Basement | 1,400 sqft |
| Unfinished Basement | 620 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 55 sqft |
| Patio Area | 130 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A893000226 |
|---|---|
| Street Address | 3 BIG BLUFF CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUFF PT LOT 7 |
| Legal Subdivision | BLUFF PT |
| Legal Lot Number | 7 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311132 |
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 | Company Name on File |
|---|---|
| Mailing Address | 3 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jul 20, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 20, 2022 | Intrafamily Transfer, Transfer |
| Sep 10, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF EDWARDSVILLE |
| May 25, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF EDWARDSVILLE |
| Feb 13, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 20, 2022 · Amount on Record |
| Deed Sale | Jul 20, 2022 · Amount on Record |
| Deed Document Number | 202240481 |
| Prior Transfer Date | Aug 7, 2021 |
| Prior Transfer Doc | 0000040483 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 20, 2022 |
| Property Address | 3 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000040481 |
| Map Reference | MB 28 PG 39 |
| Instrument Date | Aug 7, 2021 |
| Instrument | 2022R-040481 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 BIG BLUFF CT, 3, SAINT CHARLES, MO 63304-1462 |
| Name | Verified Name |
|---|---|
| Address | 3 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000040482 |
|---|---|
| Date | Jul 20, 2022 |
| Instrument | 2022R-040482 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Sep 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 20, 2022 |
| Property Address | 3 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000040483 |
| Map Reference | MB 28 PG 39 |
| Instrument Date | Aug 7, 2021 |
| Instrument | 2022R-040483 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 BIG STAFF COURT, 3, SAINT CHARLES, MO 63304 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0071461373 |
| Instrument Date | Sep 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | TITLE CTR LLC |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3 BIG BLUFF CT ST CHARLES MO 633041462, ST CHARLES, MO 63304-1462 |
| Document Number | 0071461373 |
|---|---|
| Date | Sep 20, 2019 |
| Book Page | 007146/001373 |
| Instrument | 518050 |
| Name | BANK OF EDWARDSVILLE |
|---|---|
| Type | Bank |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0069351725 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3 BIG BLUFF CT ST CHARLES MO 633041462, ST CHARLES, MO 63304-1462 |
| Document Number | 0069351725 |
|---|---|
| Date | Jun 19, 2018 |
| Book Page | 006935/001725 |
| Instrument | 340800 |
| Name | BANK OF EDWARDSVILLE |
|---|---|
| Type | Bank |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 13, 2018 |
| Property Address | 3 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0068781545 |
| Book / Page | 006878 / 001545 |
| Instrument Date | Jan 29, 2018 |
| Instrument | 78910 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3 BIG BLUFF CT ST CHARLES MO 633041462, ST CHARLES, MO 63304-1462 |
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 | $79,234 (-) | $417,021 (-) Land $90,000 Building $327,021 | |
| 2025 | $4,696.00 | $79,234 (-3.67%) | $417,021 (-3.67%) Land $90,000 Building $327,021 |
| 2023 | $82,251 | ||
| 2022 | $432,898 Building $432,898 |
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 |
| Nearby Flood Claims | 26 (1979–2019) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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