3031 Bluffwood Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3031 Bluffwood Dr, Saint Charles, MO 63301

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,484 sqft · built 1985
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Mar 2026)
Tax Bill	$2,274 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850001827`

Property Details

APN / Parcel Number

Primary APN	`A850001827`
Alternative APN	`6-0015-5770-00-0013.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,484 sqft Living Area
Gross Area	1,984 sqft
1st Floor Area	992 sqft
Basement Area	592 sqft
Finished Basement	492 sqft
Unfinished Basement	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	15 sqft
Deck Area	Deck Area
Patio Area	233 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850001827
Street Address	3031 BLUFFWOOD DR
City	SAINT CHARLES
State	MO
Zip	63301-0378
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	BLUFF STONE EST LOT 13
Legal Subdivision	BLUFFSTONE EST
Legal Lot Number	13
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 7, 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	3031 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0378
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 22, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2026 · Amount on Record
Deed Sale	Mar 27, 2026 · Amount on Record
Prior Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	202614037
Prior Transfer Date	Feb 1, 2008
Prior Transfer Doc	0000101510
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 27, 2026
Property Address	3031 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0378
Document Number	0000014037
Map Reference	MB 23 PG 170
Instrument Date	Mar 24, 2026
Instrument	2026R-014037
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 PARK RD, TROY, MO 63379-5781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3031 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0378

Mortgage

Document Number	0000014038
Date	Mar 27, 2026
Instrument	2026R-014038

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 22, 2018
Property Address	3031 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0378
Document Number	0068820341
Book / Page	6882 / 0341
Map Reference	MB 23 PG 170
Instrument Date	Feb 20, 2018
Instrument	20180222000094840
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3031 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0378

Mortgage

Document Number	20180222000094850
Date	Feb 22, 2018
Instrument	20180222000094850

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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		$35,217 (-)	$185,355 (-) Land $45,000 Building $140,355
2025	$2,274.00 (+7.11%)	$35,217 (+9.79%)	$185,355 (+9.79%) Land $45,000 Building $140,355
2024	$2,123.00
2023		$32,078
2022			$168,833 Land $45,000 Building $123,833

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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