St. Charles County property record for 3653 Bluff Valley Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,882 sqft · built 1988 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Oct 1997) |
| Flood Zone | Zone X (minimal risk) |
| APN | A883000326 |
| Primary APN | A883000326 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,882 sqft Living Area |
| Gross Area | 6,224 sqft |
| 1st Floor Area | 2,882 sqft |
| Basement Area | 2,858 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,473 sqft (0.47 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 198 sqft |
| Deck Area | Deck Area |
| Patio Area | 391 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883000326 |
|---|---|
| Street Address | 3653 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 207 |
| Legal Subdivision | BLUFF MEADOWS #2 |
| Legal Lot Number | 207 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311148 |
3653 Bluff Valley Ct is owned and occupied by two individuals who bought it in October 1997.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3653 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 | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 1997 · Amount on File |
| Deed Sale | Oct 2, 1997 · Amount on File |
| Deed Document Number | 199756236 |
| Deed Book / Page | 1985 / 680 |
| Record Updated | Sep 20, 2026 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $94,491 | $497,322 Land $90,000 Building $407,322 |
| 2023 | $93,248 | |
| 2022 | $490,777 Land $70,000 Building $420,777 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3653 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 3653 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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