St. Charles County property record for 3538 Bluff View Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,020 sqft · built 1979 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $197,500 (Nov 2002) |
| Tax Bill | $3,175 (2025) |
| Deeds & Mortgages | Jul 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 584520A006 |
| Primary APN | 584520A006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,020 sqft Living Area |
| 1st Floor Area | 2,020 sqft |
| Basement Area | 2,020 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 47,480 sqft (1.09 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 70 sqft |
| Patio Area | 361 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 584520A006 |
|---|---|
| Old Parcel Number | 584520A006 |
| Street Address | 3538 BLUFF VIEW DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | BLUFFS #1 LOT 6 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | BLUFFS #1 |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311148 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3538 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2002 · Amount on Record |
| Deed Sale | Nov 1, 2002 · Amount on Record |
| Prior Sale | Nov 1, 2002 |
| Deed Document Number | 0030861130 |
| Deed Book / Page | 3086 / 1130 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3538 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6664 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3538 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6664 |
| Document Number | 0000028452 |
|---|---|
| Date | Jul 18, 2023 |
| Instrument | 2023R-028452 |
| Name | ALTRA FCU |
|---|---|
| Type | Credit Union |
| Address | WENTZVILLE, MO 63385 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 96 Months |
| Due | Jul 4, 2031 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,175.00 | $52,797 (-13.66%) | $277,879 (-13.66%) Land $100,000 Building $177,879 |
| 2023 | $61,152 | ||
| 2022 | $321,850 Land $100,000 Building $221,850 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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