3005 Bluffwood Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3005 Bluffwood Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,737 sqft · built 1984
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Apr 2014)
Tax Bill	$2,920 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850001837`

Property Details

APN / Parcel Number

Primary APN	`A850001837`
Alternative APN	`6-0015-5770-00-0023.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,737 sqft Living Area
Gross Area	2,175 sqft
1st Floor Area	1,737 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	492 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850001837
Street Address	3005 BLUFFWOOD DR
City	SAINT CHARLES
State	MO
Zip	63301-0376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	BLUFF STONE EST PT LOT 23
Legal Subdivision	BLUFFSTONE EST
Legal Lot Number	23
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 August 11, 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	3005 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0376
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 2, 2021	Deed of Trust, Mortgage · FHA Mortgage JLB CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2014 · Amount on Record
Deed Sale	Apr 10, 2014 · Amount on Record
Prior Sale	Jul 27, 2011 · Amount on Record
Deed Document Number	2014178850
Deed Book / Page	6173 / 2139
Last Transfer Date	Apr 12, 2022
Transfer Doc	0000023033
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 29, 2026
Property Address	3005 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0376
Document Number	0000035583
Instrument Date	Jul 22, 2026
Instrument	202635583
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
Address	3005 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0376

Mortgage

Document Number	0000035583,
Date	Jul 29, 2026
Instrument	202635583

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3005 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0376
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3005 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0376

Mortgage

Document Number	2021R064386
Date	Aug 2, 2021
Instrument	2021R-064386

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

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		$45,211 (-)	$237,950 (-) Land $30,000 Building $207,950
2025	$2,920.00 (-0.24%)	$45,211 (+2.23%)	$237,950 (+2.23%) Land $30,000 Building $207,950
2024	$2,927.00
2023		$44,226
2022			$232,763 Land $30,000 Building $202,763

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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