4 Bluffwood Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 4 Bluffwood Ct, Saint Charles, MO 63301

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,823 sqft · built 1985
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Tax Bill	$2,857 (2024)
Deeds & Mortgages	Aug 2021 Second Mortgage Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A850001830`

Property Details

APN / Parcel Number

Primary APN	`A850001830`
Alternative APN	`6-0015-5770-00-0016.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,823 sqft Living Area
Gross Area	3,453 sqft
1st Floor Area	2,823 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850001830
Street Address	4 BLUFFWOOD CT
City	SAINT CHARLES
State	MO
Zip	63301-0379
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF0
Legal Description	BLUFF STONE EST LOT 16
Legal Subdivision	BLUFFSTONE EST
Legal Lot Number	16
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2003
Census Tract	310802

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK
Sep 1, 2021	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 1998
Deed Sale	Jan 6, 1998
Deed Document Number	1998639
Deed Book / Page	2015 / 1535
Last Transfer Date	Feb 1, 2005
Transfer Doc	0040900964
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379

Mortgage

Document Number	2021R072925
Date	Aug 31, 2021
Instrument	2021R-072925

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 23, 2031

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379

Mortgage

Document Number	2021R073721
Date	Sep 1, 2021
Instrument	2021R-073721

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 23, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,285 (-)	$254,131 (-) Land $45,000 Building $209,131
2025		$48,285 (+11.88%)	$254,131 (+11.88%) Land $45,000 Building $209,131
2024	$2,857.00
2023		$43,159
2022			$227,151 Land $45,000 Building $182,151

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1979–1995)
Most Recent Claim	May 1995 · Severe Storms, Tornadoes, Hail, Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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