St. Charles County property record for 3658 Bluff Valley Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,276 sqft · built 1987 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jul 2006) |
| Tax Bill | $5,046 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Nov 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A883000333 |
| Primary APN | A883000333 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,276 sqft Living Area |
| Gross Area | 5,060 sqft |
| 1st Floor Area | 2,301 sqft |
| Basement Area | 2,253 sqft |
| Finished Basement | 975 sqft |
| Unfinished Basement | 1,278 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Hardboard |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | Deck Area |
| Patio Area | 843 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883000333 |
|---|---|
| Street Address | 3658 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 214 |
| Legal Subdivision | BLUFF MEADOWS #2 |
| Legal Lot Number | 214 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311148 |
3658 Bluff Valley Ct is owned and occupied by two individuals who acquired it in June 2023.
Source: St. Charles County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3658 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 |
|---|---|
| Oct 13, 2026 | Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION |
| Nov 2, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JLB CORP |
| Jun 5, 2023 | Beneficiary Deed, Transfer |
| Nov 16, 2018 | Deed of Trust, Mortgage · Line of Credit WEST CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2006 · Amount on File |
| Deed Sale | Jul 19, 2006 · Amount on File |
| Deed Document Number | 2006612350 |
| Deed Book / Page | 4534 / 369 |
| Last Transfer Date | Jun 1, 2023 |
| Transfer Doc | 0000021447 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 13, 2026 |
| Property Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Number | 0000048367 |
| Instrument Date | Oct 6, 2026 |
| Instrument | 202648367 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Investor | Possibly a Property Investor |
| Document Number | 0000048367, |
|---|---|
| Date | Oct 13, 2026 |
| Instrument | 202648367 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 3, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Investor | Possibly a Property Investor |
| Document Number | 0000045142 |
|---|---|
| Date | Nov 2, 2023 |
| Instrument | 2023R-045142 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 21, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2023 |
| Title Company | COPPER TITLE, COPPER TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Investor | Possibly a Property Investor |
| Document Number | 0000024146 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 2021R-024146 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 5, 2023 |
| Property Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Number | 0000021447 |
| Map Reference | MB 26 PG 152 |
| Instrument Date | Jun 1, 2023 |
| Instrument | 2023R-021447 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3658 BLUFF VALLEY CT, SAINT CHARLES, MO 63303-6684 |
| Document Number | 0070061494 |
| Instrument Date | Nov 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3658 BLUFF VALLEY CT ST CHARLES MO 633036684, ST CHARLES, MO 63303-6684 |
| Document Number | 0070061494 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 007006/001494 |
| Instrument | 661380 |
| Name | WEST CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | O'FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 25, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3658 Bluff Valley Ct was $5,046.
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 | $84,175 (-) | $443,025 (-) Land $90,000 Building $353,025 | |
| 2025 | $5,046.00 | $84,175 | $443,025 Land $90,000 Building $353,025 |
| 2023 | $82,460 | ||
| 2022 | $434,001 Land $70,000 Building $364,001 |
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.
FEMA maps place 3658 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 3658 Bluff Valley Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% 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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