541 Winding Bluffs Dr, Fenton, MO 63026 Property Records

Jefferson County property record for 541 Winding Bluffs Dr, Fenton, MO 63026

Property Summary

Property Type	Single Family Home
Details	1,740 sqft · built 2017
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$256,900 (Sep 2017)
Tax Bill	$5,017 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-2.0-10.0-2-001-001.21`

Property Details

APN / Parcel Number

Primary APN	`02-2.0-10.0-2-001-001.21`

Interior

Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,140 sqft
1st Floor Area	1,740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	400 sqft

Location & Zoning

Street Address	541 WINDING BLUFFS DR
City	FENTON
State	MO
Zip	63026-5534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDING BLUFFS 1 LOT 13A
Legal Range	5E
Legal Township	43N
Legal Section	10
Legal Subdivision	WINDING BLUFFS 1
Legal Block	3
Legal Lot Number	13A
Jurisdiction	JEFFERSON MO
Township / Civil Division	ROCK
Census Block Group	3
Census Block	3007
Census Tract	700208

Owner

541 Winding Bluffs Dr is owned and occupied by two individuals who bought it in September 2017.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	541 WINDING BLUFFS DR, FENTON, MO 63026-5534
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2020	Deed of Trust, Mortgage GUILD MTG
Sep 19, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage CORNERSTONE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2017 · Amount on File
Deed Sale	Sep 19, 2017 · Amount on File
Deed Document Number	201729270
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	541 WINDING BLUFFS DR, FENTON, MO 63026-5534
Document Number	0000011237
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	541 WINDING BLUFFS DR FENTON MO 630265534, FENTON, MO 63026-5534

Mortgage

Document Number	0000011237
Date	Apr 3, 2020
Instrument	11237

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount on Record
Term	240 Months
Due	Apr 2, 2040

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON MO
Recording Date	Sep 19, 2017
Property Address	541 WINDING BLUFFS DR, FENTON, MO 63026-5534
Document Number	0000029270
Instrument Date	Sep 15, 2017
Instrument	29270
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 19, 2018
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	541 WINDING BLUFFS DR FENTON MO 630265534, FENTON, MO 63026-5534

Mortgage

Document Number	29271
Date	Sep 19, 2017
Instrument	29271

Lender

Name	CORNERSTONE MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 541 Winding Bluffs Dr was $5,017.

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$65,200 (-) Land $13,400 Building $51,800	$342,800 Land $70,400 Building $272,400
2025	$5,017.00	$65,200 Land $13,400 Building $51,800
2024			$342,800 (+11.26%) Land $70,400 Building $272,400
2023	$4,701.00	$58,600 Land $10,700 Building $47,900	$308,100 Land $56,100 Building $252,000

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

FEMA maps place 541 Winding Bluffs Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 2, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	13 (1980–2022)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Aug 2022 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 claims Severe Storms & Flooding, Sep 1993 · 2 claims

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

Wildfire risk around 541 Winding Bluffs Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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	JEFFERSON COUNTY PWSD 3 serves 17,000 people · EPA ID MO6024294
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Dec 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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wisper ISP.

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