5486 Creek Pass Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5486 Creek Pass Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,454 sqft · built 2005
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on File
Last Sale	$537,814 (Jun 2006)
Tax Bill	$7,785 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T061500071`

Property Details

APN / Parcel Number

Primary APN	`T061500071`
Alternative APN	`3-157C-9829-00-0125.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,454 sqft Living Area
Gross Area	6,705 sqft
1st Floor Area	2,209 sqft
Basement Area	1,969 sqft
Finished Basement	1,500 sqft
Unfinished Basement	469 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Attached
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T061500071
Street Address	5486 CREEK PASS DR
City	SAINT CHARLES
State	MO
Zip	63304-2471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN CREEK #2 LOT 125
Legal Subdivision	HIDDEN CREEK #2
Legal Lot Number	125
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1015
Census Tract	311124

Owner

5486 Creek Pass Dr is owned and occupied by two individuals who bought it in June 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	5486 CREEK PASS DR, SAINT CHARLES, MO 63304-2471
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
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2006 · Amount on File
Deed Sale	Jun 9, 2006 · Amount on File
Deed Document Number	2006485350
Deed Book / Page	4503 / 908
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5486 CREEK PASS DR, SAINT CHARLES, MO 63304-2471
Transaction Type	Mortgage
Record Updated	Oct 6, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5486 CREEK PASS DR, SAINT CHARLES, MO 63304-2471

Mortgage

Document Number	0000052174
Date	Sep 22, 2022
Instrument	2022R-052174

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5486 CREEK PASS DR, SAINT CHARLES, MO 63304-2471
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R095388
Date	Nov 22, 2021
Instrument	2021R-095388

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5486 CREEK PASS DR, SAINT CHARLES, MO 63304-2471
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071810419
Date	Nov 13, 2019
Book Page	7181/0419
Instrument	20191113000649850

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 5486 Creek Pass Dr was $7,785.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,651 (-)	$645,532 (-) Land $120,000 Building $525,532
2025	$7,785.00	$122,651	$645,532 Land $120,000 Building $525,532
2023		$124,550
2022			$655,527 Land $95,000 Building $560,527

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 5486 Creek Pass Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · rainfall accumulation

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 5486 Creek Pass Dr is low, with 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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 423 locations within half a mile, as of December 31, 2025

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

May also be available: i3 Broadband, Wisper ISP.

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