St. Charles County property record for 3018 Bluffwood Dr, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.5 ba · 1,825 sqft · built 1985 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,601 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A850001819 |
| Primary APN | A850001819 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,825 sqft Living Area |
| Gross Area | 2,493 sqft |
| 1st Floor Area | 751 sqft |
| Basement Area | 751 sqft |
| Finished Basement | 523 sqft |
| Unfinished Basement | 228 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 18 sqft |
| Deck Area | Deck Area |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A850001819 |
|---|---|
| Street Address | 3018 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 PT LOT 5 |
| Legal Subdivision | BLUFFSTONE EST |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 310802 |
Source: St. Charles County assessment roll, APN A850001819, as of August 13, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3018 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 04, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Feb 20, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION |
| Oct 07, 2021 | Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 10, 2023 |
| Deed Sale | Aug 10, 2023 |
| Prior Sale | Nov 18, 1997 · Amount on Record |
| Deed Document Number | 202332188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 04, 2026 |
| Property Address | 3018 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Document Number | 0000020673 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202620673 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3018 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Document Number | 0000020673, |
|---|---|
| Date | May 04, 2026 |
| Instrument | 202620673 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 305 Months |
| Due | Oct 01, 2051 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3018 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Transaction Type | Mortgage |
| Record Updated | Mar 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3018 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Document Number | 0000006305 |
|---|---|
| Date | Feb 20, 2024 |
| Instrument | 2024R-006305 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3018 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R084355 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021R-084355 |
| Name | MISSOURI HOUSING DEVELOPMENT COMMISSION |
|---|---|
| Type | Government Agency |
| Address | KANSAS CITY, MO 64105 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 07, 2021 |
| Property Address | 3018 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Document Number | 0000083701 |
| Map Reference | MB 23 PG 170 |
| Instrument Date | Oct 01, 2021 |
| Instrument | 2021R-083701 |
| Transaction Type | Transfer |
| Record Updated | Oct 04, 2022 |
| Title Company | UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 606 S LINN AVE, 606, WENTZVILLE, MO 63385-1730 |
| Name | Verified Name |
|---|---|
| Address | 3018 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Document Number | 0000083702 |
|---|---|
| Date | Oct 07, 2021 |
| Instrument | 2021R-083702 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63109 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
Source: St. Charles County assessment roll as of August 13, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | St. Charles R-VI School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,601.00 (+7.7%) | $40,280 (+10.38%) | $211,996 (+10.38%) Land $45,000 Building $166,996 |
| 2024 | $2,415.00 | ||
| 2023 | $36,491 | ||
| 2022 | $192,059 Land $45,000 Building $147,059 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833108022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection, 234 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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