5 Bluffwood Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 5 Bluffwood Ct, Saint Charles, MO 63301

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,207 sqft · built 1984
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,677 (Jul 2025)
Tax Bill	$2,895 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000849`

Property Details

APN / Parcel Number

Primary APN	`A860000849`
Alternative APN	`6-0015-5770-00-0024.1000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,207 sqft Living Area
Gross Area	2,880 sqft
1st Floor Area	1,514 sqft
Basement Area	925 sqft
Finished Basement	693 sqft
Unfinished Basement	232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asbestos
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000849
Street Address	5 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 PT LOT 24
Legal Subdivision	BLUFFSTONE EST
Legal Lot Number	24
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 September 23, 2025

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	5 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Jul 7, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on Record
Deed Sale	Jul 8, 2025 · Amount on Record
Prior Sale	Apr 9, 2021 · Amount on Record
Deed Document Number	202528750
Prior Transfer Date	Jun 29, 2020
Prior Transfer Doc	0073390406
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 9, 2021
Property Address	5 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379
Document Number	2021R031144
Map Reference	MB 23 PG 170
Instrument Date	Apr 6, 2021
Instrument	2021R-031144
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4615 GREGORY GERARD DR, 4615, SAINT CHARLES, MO 63304-3432

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379

Mortgage

Document Number	2021R031145
Date	Apr 9, 2021
Instrument	2021R-031145

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 7, 2020
Property Address	5 BLUFFWOOD CT, SAINT CHARLES, MO 63301-0379
Document Number	0073390406
Book / Page	7339 / 406
Map Reference	MB 23 PG 170
Instrument Date	Jun 29, 2020
Instrument	20200707000469960
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	S BLUFFWOOD COURT, SAINT CHARLES, MO 63301

Mortgage

Document Number	20200707000469970
Date	Jul 7, 2020
Instrument	20200707000469970

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,895.00 (+7.58%)	$44,827 (+10.25%)	$235,936 (+10.25%) Land $45,000 Building $190,936
2024	$2,691.00
2023		$40,661
2022			$214,007 Land $45,000 Building $169,007

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.

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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