3426 Bluff View Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3426 Bluff View Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,285 sqft · built 1981
Lot Size	1.21 acres (53,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$396,900 (Dec 2018)
Deeds & Mortgages	Mar 2018 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`584520B012`

Property Details

APN / Parcel Number

Primary APN	`584520B012`
Alternative APN	`3-0037-5199-00-0112.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,285 sqft Living Area
Gross Area	4,408 sqft
1st Floor Area	1,387 sqft
Basement Area	1,148 sqft
Finished Basement	750 sqft
Unfinished Basement	398 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,143 sqft
Garage Type	Attached
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	584520B012
Street Address	3426 BLUFF VIEW DR
City	SAINT CHARLES
State	MO
Zip	63303-6600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	BLUFFS ADDN LOT 112
Legal Subdivision	BLUFFS ADDN
Legal Lot Number	112
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	4
Census Block	4004
Census Tract	311148

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	3426 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2018	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Sep 15, 2020	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Jul 3, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Dec 13, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2018 · Amount on Record
Deed Sale	Dec 13, 2018 · Amount on Record
Prior Sale	Aug 20, 1999 · Amount on Record
Deed Document Number	2018695560
Deed Book / Page	7013 / 2394
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3426 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6600
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068851436
Date	Mar 1, 2018
Book Page	6885/1436
Instrument	20180301000110220

Lender

Name	UMB BANK NA
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3426 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6600
Document Number	0000072047
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3426 BLUFF VIEW DR ST CHARLES MO 633036600, ST CHARLES, MO 63303-6600

Mortgage

Document Number	0000072047
Date	Sep 28, 2020
Instrument	72047

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3426 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6600
Document Number	0071070426
Instrument Date	Jul 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3426 BLUFF VIEW DR ST CHARLES MO 633036600, ST CHARLES, MO 63303-6600

Mortgage

Document Number	0071070426
Date	Jul 18, 2019
Book Page	007107/000426
Instrument	365650

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 13, 2018
Property Address	3426 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6600
Document Number	0070132394
Book / Page	7013 / 2394
Map Reference	MB 20 PG 21
Instrument Date	Dec 11, 2018
Instrument	20181213000695560
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 GREENSTONE DR, 138, SAINT CHARLES, MO 63303-1508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3426 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6600

Mortgage

Document Number	20181213000695570
Date	Dec 13, 2018
Instrument	20181213000695570

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$80,236 (+9.19%)	$422,293 (+9.19%) Land $100,000 Building $322,293
2023	$73,485
2022		$386,765 Land $100,000 Building $286,765

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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