St. Charles County property record for 3004 Bruce Trail Ct, Cottleville, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,762 sqft · built 2025 |
| Lot Size | 0.282 acres (12,262 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $707,000 (Aug 2026) |
| Tax Bill | $930 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | T241500210 |
| Primary APN | T241500210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,762 sqft Living Area |
| Gross Area | 4,533 sqft |
| Basement Area | 1,771 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 12,262 sqft (0.282 acres) |
| Account Number | T241500210 |
|---|---|
| Street Address | 3004 BRUCE TRAIL CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTTLEVILLE TRAILS #4A LOT 80 |
| Legal Subdivision | COTTLEVILLE TRAILS #4A |
| Legal Lot Number | 80 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 311124 |
3004 Bruce Trail Ct is owned and occupied by two individuals who bought it in August 2026.
Source: St. Charles County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3004 BRUCE TRAIL CT, SAINT CHARLES, MO 63304-8053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Aug 7, 2026 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NATIONS LENDING CORPORATION |
| Aug 7, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2026 · Amount on File |
| Deed Sale | Aug 7, 2026 · Amount on File |
| Prior Sale | Aug 7, 2026 |
| Deed Document Number | 202637692 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 7, 2026 |
| Property Address | 3004 BRUCE TRAIL CT, SAINT CHARLES, MO 63304-8053 |
| Document Number | 0000037692 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202637692 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | ARCO TITLE, ARC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3004 BRUCE TRAIL CT, SAINT CHARLES, MO 63304-8053 |
| Document Number | 0000037693, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 202637693 |
| Name | NATIONS LENDING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 7, 2026 |
| Property Address | 3004 BRUCE TRAIL CT, SAINT CHARLES, MO 63304-8053 |
| Document Number | 0000037691 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202637691 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3004 Bruce Trail Ct was $930, down 1% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,200 (-) | $80,000 (-) Land $80,000 | |
| 2025 | $930.00 (-0.96%) | $15,200 | $80,000 Land $80,000 |
| 2024 | $939.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3004 Bruce Trail Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2017 · other causes |
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 risk around 3004 Bruce Trail Ct is low, with a 0.03% annual chance of wildfire.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Wisper ISP.
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