St. Charles County property record for 3020 Bluffwood Dr, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,024 sqft · built 1985 |
| Lot Size | 0.419 acres (18,295 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Nov 2020) |
| Tax Bill | $2,401 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A850001820 |
| Primary APN | A850001820 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,024 sqft Total Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 664 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood |
| Lot Area | 18,295 sqft (0.419 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 24 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | A850001820 |
|---|---|
| Old Parcel Number | A850001820 |
| Street Address | 3020 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 6 |
| Legal Range | 04E |
| Legal Township | 47N |
| Legal Subdivision | BLUFFSTONE EST |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 310802 |
Source: St. Charles County records · APN A850001820
Assessment roll updated July 1, 2025 · Last verified March 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3020 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 02, 2020 | Warranty Deed, Transfer ON Q FIN'L |
| Nov 07, 2017 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 02, 2020 · Amount on Record |
| Deed Sale | Nov 02, 2020 · Amount on Record |
| Prior Sale | Nov 07, 2017 · Amount on Record |
| Deed Document Number | 0202083830 |
| Deed Book / Page | 2020 / 83830 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 02, 2020 |
| Property Address | 3020 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Document Number | 0000083830 |
| Instrument Date | Oct 19, 2020 |
| Instrument | 83830 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3020 BLUFFWOOD DR ST CHARLES MO 633010377, ST CHARLES, MO 63301-0377 |
| Document Number | 83831 |
|---|---|
| Date | Nov 02, 2020 |
| Instrument | 83831 |
| Name | ON Q FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85281 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 07, 2017 |
| Property Address | 3020 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377 |
| Document Number | 0068351099 |
| Book / Page | 6835 / 1099 |
| Map Reference | MB 23 PG 170 |
| Instrument Date | Nov 03, 2017 |
| Instrument | 20171107000697420 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | FREEDOM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3020 BLUFFORD DR, SAINT CHARLES, MO 63301 |
| Document Number | 20171107000697430 |
|---|---|
| Date | Nov 07, 2017 |
| Instrument | 20171107000697430 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,401.00 | $37,182 (+8.55%) | $195,691 (+8.55%) Land $45,000 Building $150,691 |
| 2023 | $34,254 | ||
| 2022 | $180,284 Land $45,000 Building $135,284 |
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 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.
Based on FCC filings for 234 locations within half a mile of this property.
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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