3034 Bluffwood Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3034 Bluffwood Dr, Saint Charles, MO 63301

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,222 sqft · built 1985
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$146,500 (Jul 2019)
Tax Bill	$2,015 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850001823`

Property Details

APN / Parcel Number

Primary APN	`A850001823`
Alternative APN	`6-0015-5770-00-0009.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,222 sqft Total Area
1st Floor Area	671 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	21 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A850001823
Old Parcel Number	A850001823
Street Address	3034 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 9
Legal Range	04E
Legal Township	47N
Legal Subdivision	BLUFFSTONE EST
Legal Lot Number	9
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2003
Census Tract	310802

Owner

Source: St. Charles County assessment roll, as of July 1, 2025

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	3034 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Jul 3, 2019	Warranty Deed, Transfer · FHA Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 3, 2019 · Amount on Record
Deed Sale	Jul 3, 2019 · Amount on Record
Deed Document Number	0071002088
Deed Book / Page	7100 / 2088
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3034 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377
Document Number	0000090111
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3034 BLUFFWOOD DR ST CHARLES MO 633010377, ST CHARLES, MO 63301-0377

Mortgage

Document Number	0000090111
Date	Nov 19, 2020
Instrument	90111

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 3, 2019
Property Address	3034 BLUFFWOOD DR, SAINT CHARLES, MO 63301-0377
Document Number	0071002088
Book / Page	007100 / 002088
Instrument Date	Jun 28, 2019
Instrument	338110
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3034 BLUFFWOOD DR ST CHARLES MO 633010377, ST CHARLES, MO 63301-0377

Mortgage

Document Number	71002090
Date	Jul 3, 2019
Book Page	007100/002090
Instrument	338120

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$2,015.00	$31,199 (+11.99%)	$164,207 (+12%) Land $45,000 Building $119,207
2023		$27,858
2022			$146,617 Land $45,000 Building $101,617

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

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)
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.

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