St. Charles County property record for 3705 Bluff Spring Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,256 sqft · built 1994 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $332,000 (Sep 2006) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A883000320 |
| Primary APN | A883000320 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,256 sqft Living Area |
| 1st Floor Area | 2,256 sqft |
| Basement Area | 2,224 sqft |
| Finished Basement | 1,314 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 15,246 sqft (0.35 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 270 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | A883000320 |
|---|---|
| Old Parcel Number | A883000320 |
| Street Address | 3705 BLUFF SPRING DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6683 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUFF MEADOWS #2 LOT 201 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | BLUFF MEADOWS #2 |
| Legal Lot Number | 201 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 311148 |
Source: St. Charles County records · APN A883000320
Assessment roll updated July 1, 2023 · Last verified October 2023
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 | 3705 BLUFF SPRING DR, SAINT CHARLES, MO 63303-6683 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 21, 2006 · Amount on Record |
| Deed Sale | Sep 21, 2006 · Amount on Record |
| Prior Sale | Jan 21, 1999 |
| Deed Document Number | 0045822354 |
| Deed Book / Page | 4582 / 2354 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3705 BLUFF SPRING DR, SAINT CHARLES, MO 63303-6683 |
| Document Number | 0000074241 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3705 BLUFF SPRING DR ST CHARLES MO 633036683, ST CHARLES, MO 63303-6683 |
| Document Number | 0000074241 |
|---|---|
| Date | Oct 02, 2020 |
| Instrument | 74241 |
| Name | ARVEST MTG |
|---|---|
| Type | Mortgage Company |
| Address | LOWELL, AR 72745 |
| Amount | Amount Recorded |
|---|
Source: St. Charles County records · Assessment roll updated July 1, 2023 · Last verified October 2023
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $80,809 | |
| 2022 | $425,312 Land $70,000 Building $355,312 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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 378 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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