3509 Bluff View Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3509 Bluff View Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,206 sqft · built 1979
Lot Size	1.05 acres (46,174 sqft)
Owner	Individual Name on Record
Last Sale	$357,000 (Jul 2018)
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`584520A065`

Property Details

APN / Parcel Number

Primary APN	`584520A065`
Alternative APN	`3-0133-5182-00-0057.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,206 sqft Living Area
1st Floor Area	1,238 sqft
Basement Area	952 sqft
Finished Basement	475 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Other
Exterior Material	Siding
Lot Area	46,174 sqft (1.05 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	98 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	584520A065
Old Parcel Number	584520A065
Street Address	3509 BLUFF VIEW DR
City	SAINT CHARLES
State	MO
Zip	63303-6610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	BLUFFS #2 LOT 57
Legal Range	04E
Legal Township	46N
Legal Subdivision	BLUFFS #2
Legal Lot Number	57
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2006
Census Tract	311148

Owner

Source: St. Charles County records, as of March 16, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3509 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2019	Quit Claim Deed, Mortgage · Line of Credit CITIZENS NAT'L BK/GREATER ST L
Jul 3, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2018 · Amount on Record
Deed Sale	Jul 3, 2018 · Amount on Record
Prior Sale	Jan 21, 1997 · Amount on Record
Deed Document Number	0069431462
Deed Book / Page	6943 / 1462
Record Updated	Jun 8, 2026

August 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 19, 2019
Property Address	3509 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6610
Document Number	0071250498
Book / Page	007125 / 000498
Instrument Date	Jun 26, 2019
Instrument	434890
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	580 STANEK RD SILEX MO 633773227, SILEX, MO 63377-3227

Mortgage

Document Number	71250504
Date	Aug 19, 2019
Book Page	007125/000504
Instrument	434900

Lender

Name	CITIZENS NAT'L BK/GREATER ST L
Type	Bank
Address	SAINT PETERS, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 3, 2018
Property Address	3509 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6610
Document Number	0069431462
Book / Page	6943 / 1462
Map Reference	MB 19 PG 189
Instrument Date	Jun 29, 2018
Instrument	20180703000375900
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6610
Investor	Possibly a Property Investor

Mortgage

Document Number	20180703000375910
Date	Jul 3, 2018
Instrument	20180703000375910

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,726.00	$78,807 (+11.25%)	$414,773 (+11.25%) Land $100,000 Building $314,773
2023		$70,835
2022			$372,815 Land $100,000 Building $272,815

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 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% 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.

Nearby Properties on Bluff View Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures