St. Charles County property record for 42 Bluff Manor Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,285 sqft · built 1993 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Apr 2022) |
| Tax Bill | $4,728 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A913000283 |
| Primary APN | A913000283 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,285 sqft Living Area |
| Gross Area | 5,044 sqft |
| 1st Floor Area | 2,285 sqft |
| Basement Area | 2,253 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A913000283 |
|---|---|
| Street Address | 42 BLUFF MANOR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUFF MEADOWS #5 LOT 551 |
| Legal Subdivision | BLUFF MEADOWS #5 |
| Legal Lot Number | 551 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 311148 |
Source: St. Charles County records, as of September 10, 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 Record |
|---|---|
| Mailing Address | 42 BLUFF MANOR CT, SAINT CHARLES, MO 63303-1515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOGETHER CU |
| Apr 8, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2022 · Amount on Record |
| Deed Sale | Apr 8, 2022 · Amount on Record |
| Deed Document Number | 202220202 |
| Prior Transfer Date | Apr 4, 2022 |
| Prior Transfer Doc | 0000020202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 42 BLUFF MANOR CT, SAINT CHARLES, MO 63303-1515 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 42 BLUFF MANOR CT, SAINT CHARLES, MO 63303-1515 |
| Document Number | 0000009607 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 2026R-009607 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Feb 11, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 8, 2022 |
| Property Address | 42 BLUFF MANOR CT, SAINT CHARLES, MO 63303-1515 |
| Document Number | 0000020202 |
| Map Reference | MB 30 PG 65 |
| Instrument Date | Apr 4, 2022 |
| Instrument | 2022R-020202 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 42 BLUFF MANOR CT, SAINT CHARLES, MO 63303-1515 |
| Document Number | 0000020203 |
|---|---|
| Date | Apr 8, 2022 |
| Instrument | 2022R-020203 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
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 | $78,849 (-) | $414,994 (-) Land $90,000 Building $324,994 | |
| 2025 | $4,728.00 | $78,849 (+2.24%) | $414,994 (+2.24%) Land $90,000 Building $324,994 |
| 2023 | $77,124 | ||
| 2022 | $405,915 Land $70,000 Building $335,915 |
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.
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
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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