3004 Bluffwood Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3004 Bluffwood Dr, Saint Charles, MO 63301

Property Summary

Property Type	Duplex
Details	4 bd · 6 ba · 2,708 sqft · built 1984
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Oct 2022)
Tax Bill	$3,276 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850001816`

Property Details

APN / Parcel Number

Primary APN	`A850001816`
Alternative APN	`6-0015-5770-00-0002.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,085 sqft Living Area
Gross Area	4,942 sqft
1st Floor Area	1,530 sqft
Basement Area	1,530 sqft
Finished Basement	1,377 sqft
Unfinished Basement	153 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A850001816
Street Address	3004 BLUFFWOOD DR
City	SAINT CHARLES
State	MO
Zip	63301-0377
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF0
Legal Description	BLUFF STONE EST LOT 2
Legal Subdivision	BLUFFSTONE EST
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2003
Census Tract	310802

Owner

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3004 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Oct 19, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Sep 20, 2022 · Amount on Record
Deed Document Number	202255633
Prior Transfer Date	Jan 14, 2010
Prior Transfer Doc	0000035410
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 20, 2022
Property Address	3004 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377
Document Number	0000051853
Map Reference	MB 23 PG 170
Instrument Date	Sep 8, 2022
Instrument	2022R-051853
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4051 JANE AVE, SAINT CHARLES, MO 63301

Mortgage

Document Number	0000051854
Date	Sep 20, 2022
Instrument	2022R-051854

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3004 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377
Document Number	0000079887
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2810 EHLMANN RD ST CHARLES MO 633010306, ST CHARLES, MO 63301-0306

Mortgage

Document Number	0000079887
Date	Oct 21, 2020
Instrument	79887

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 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
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,720 (-)	$266,943 (-) Land $45,000 Building $221,943
2025	$3,276.00 (+4.26%)	$50,720 (+12.62%)	$266,943 (+12.62%) Land $45,000 Building $221,943
2023		$45,035 (+1.86%)
2022	$3,142.00	$44,213	$237,025 (+1.86%) Land $45,000 Building $192,025
2021			$232,703 Land $35,000 Building $197,703

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

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 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1979–1995)
Most Recent Claim	May 1995 · Severe Storms, Tornadoes, Hail, Flooding

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 96% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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