3700 Bluff Spring Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3700 Bluff Spring Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,350 sqft · built 1988
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,570 (2024)
Deeds & Mortgages	Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A883000334`

Property Details

APN / Parcel Number

Primary APN	`A883000334`
Alternative APN	`3-0133-6198-00-0215.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,350 sqft Living Area
Gross Area	4,118 sqft
1st Floor Area	2,350 sqft
Basement Area	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	560 sqft
Porch	Open Porch
Porch Area	299 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A883000334
Street Address	3700 BLUFF SPRING DR
City	SAINT CHARLES
State	MO
Zip	63303-6682
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUFF MEADOWS #2 LOT 215
Legal Subdivision	BLUFF MEADOWS #2
Legal Lot Number	215
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	4
Census Block	4004
Census Tract	311148

Owner

Source: St. Charles County records · APN A883000334

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	3700 BLUFF SPRING DR, SAINT CHARLES, MO 63303-6682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 08, 2014
Transfer Doc	0062531720
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3700 BLUFF SPRING DR, SAINT CHARLES, MO 63303-6682
Transaction Type	Mortgage
Record Updated	Dec 07, 2021
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2700 BLUFF SPRING DRIVE, SAINT CHARLES, MO 63303

Mortgage

Document Number	2021R095090
Date	Nov 19, 2021
Instrument	2021R-095090

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Oct 01, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,830 (-)	$425,423 (-) Land $90,000 Building $335,423
2025		$80,830 (+9.29%)	$425,423 (+9.29%) Land $90,000 Building $335,423
2024	$4,570.00
2023		$73,961
2022			$389,266 Land $70,000 Building $319,266

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Based on FCC filings for 171 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.