St. Charles County property record for 3650 Bluff Valley Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,502 sqft · built 1987 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on File |
| Last Sale | $117,500 (Jun 2009) |
| Tax Bill | $5,011 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | A883000329 |
| Primary APN | A883000329 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,502 sqft Living Area |
| Gross Area | 4,466 sqft |
| 1st Floor Area | 1,396 sqft |
| Basement Area | 1,274 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | Deck Area |
| Patio Area | 637 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883000329 |
|---|---|
| Street Address | 3650 BLUFF VALLEY CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6684 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUFF MEADOWS #2 LOT 210 |
| Legal Subdivision | BLUFF MEADOWS #2 |
| Legal Lot Number | 210 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311148 |
3650 Bluff Valley Ct is owned and occupied by an individual who acquired it in June 2014.
Source: St. Charles County records, as of August 13, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3650 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2009 · Amount on File |
| Deed Sale | Jun 1, 2009 · Amount on File |
| Deed Document Number | 2009433080 |
| Deed Book / Page | 5198 / 1621 |
| Last Transfer Date | Jun 21, 2014 |
| Transfer Doc | 0062041766 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3650 Bluff Valley Ct was $5,011, up 5.8% from the year before.
Source: St. Charles County assessment roll, as of August 13, 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 | $5,011.00 (+5.78%) | $83,584 | $439,916 Land $90,000 Building $349,916 |
| 2024 | $4,737.00 | ||
| 2023 | $75,062 | ||
| 2022 | $395,061 Land $70,000 Building $325,061 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3650 Bluff Valley Ct in Zone X, an area of minimal flood risk.
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 risk around 3650 Bluff Valley Ct is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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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