St. Charles County property record for 3652 Bluff Valley Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,386 sqft · built 1992 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,738 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A883000330 |
| Primary APN | A883000330 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,386 sqft Living Area |
| Gross Area | 4,352 sqft |
| 1st Floor Area | 1,266 sqft |
| Basement Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,295 sqft (0.42 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 766 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 96 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883000330 |
|---|---|
| Street Address | 3652 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 PT LOTS 211 & 212 |
| Legal Subdivision | BLUFF MEADOWS #2 |
| Legal Lot Number | 211 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311148 |
3652 Bluff Valley Ct is owned and occupied by two individuals who acquired it in March 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3652 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.
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK |
| Mar 9, 2026 | Beneficiary Deed, Transfer |
| Nov 12, 2025 | Beneficiary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 5, 2026 |
| Transfer Doc | 0000010783 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 22, 2026 |
| Property Address | 3652 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Number | 0000024202 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202624202 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3652 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Number | 0000024202, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202624202 |
| Name | GREAT SOUTHERN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 9, 2026 |
| Property Address | 3652 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Number | 0000010783 |
| Map Reference | MB 26 PG 152 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 2026R-010783 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3652 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3652 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 12, 2025 |
| Property Address | 3652 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Number | 0000050756 |
| Map Reference | MB 26 PG 152 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 2025R-050756 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3652 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3652 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
The 2025 property tax bill for 3652 Bluff Valley Ct was $4,738, up 6.1% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $79,013 (-) | $415,858 (-) Land $90,000 Building $325,858 | |
| 2025 | $4,738.00 (+6.07%) | $79,013 | $415,858 Land $90,000 Building $325,858 |
| 2024 | $4,467.00 | ||
| 2023 | $72,272 | ||
| 2022 | $380,379 Land $70,000 Building $310,379 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3652 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 3652 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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