St. Charles County property record for 5 Big Bluff Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,381 sqft · built 1993 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Company Name on File |
| Last Sale | $390,000 (Mar 2020) |
| Deeds & Mortgages | Jan 2024 Transfer Mar 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A893000224 |
| Primary APN | A893000224 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,381 sqft Living Area |
| Gross Area | 4,878 sqft |
| 1st Floor Area | 2,457 sqft |
| Basement Area | 1,892 sqft |
| Finished Basement | 924 sqft |
| Unfinished Basement | 968 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | Deck Area |
| Patio Area | 250 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A893000224 |
|---|---|
| Street Address | 5 BIG BLUFF CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUFF PT LOT 5 |
| Legal Subdivision | BLUFF PT |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311132 |
Source: St. Charles County records · APN A893000224
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 | Company Name on File |
|---|---|
| Mailing Address | 5 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jan 18, 2024 | Intrafamily Transfer, Transfer |
| Mar 19, 2020 | Warranty Deed, Transfer DAS ACQUISITION |
| Aug 16, 2017 | Intrafamily Transfer, Transfer · Line of Credit WEST COMMUNITY CU |
| Jan 31, 2017 | Quit Claim Deed, Transfer FIRST ST BK/ST CHARLES |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 19, 2020 · Amount on Record |
| Deed Sale | Mar 19, 2020 · Amount on Record |
| Prior Sale | Mar 19, 2020 · Amount on Record |
| Deed Document Number | 2020168970 |
| Deed Book / Page | 7251 / 1764 |
| Last Transfer Date | Jan 15, 2024 |
| Transfer Doc | 0000002202 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 18, 2024 |
| Property Address | 5 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000002202 |
| Map Reference | MB 28 PG 39 |
| Instrument Date | Jan 15, 2024 |
| Instrument | 2024R-002202 |
| Transaction Type | Transfer |
| Record Updated | Feb 01, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 19, 2020 |
| Property Address | 5 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0072511764 |
| Book / Page | 007251 / 001764 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 168970 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2020 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5 BIG BLUFF CT ST CHARLES MO 633041462, ST CHARLES, MO 63304-1462 |
| Document Number | 72511766 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 007251/001766 |
| Instrument | 168980 |
| Name | DAS ACQUISITION |
|---|---|
| Address | ST LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 18, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 16, 2017 |
| Property Address | 5 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000514280 |
| Book / Page | 6792 / 0273 |
| Map Reference | MB 28 PG 39 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 20170816000514280 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000514290 |
|---|---|
| Date | Aug 16, 2017 |
| Instrument | 20170816000514290 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 31, 2017 |
| Property Address | 5 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0066930414 |
| Book / Page | 006693 / 000414 |
| Instrument Date | Jan 22, 2017 |
| Instrument | 66450 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2017 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 BIG BLUFF CT ST CHARLES MO 633041462, ST CHARLES, MO 63304-1462 |
| Document Number | 66930416 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 006693/000416 |
| Instrument | 66460 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| 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 |
|---|---|---|
| 2026 | $82,971 (+7.11%) | $436,691 (+7.11%) Land $90,000 Building $346,691 |
| 2023 | $77,466 | |
| 2022 | $407,717 Land $70,000 Building $337,717 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 26 (1979–2019) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: 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 | 100 / 20 |
Based on FCC filings for 430 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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