5836 Hidden Creek Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5836 Hidden Creek Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,659 sqft · built 2004
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Jul 2023)
Tax Bill	$7,381 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T051500073`

Property Details

APN / Parcel Number

Primary APN	`T051500073`
Alternative APN	`3-157C-9469-00-0050.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,659 sqft Living Area
Gross Area	5,962 sqft
1st Floor Area	2,673 sqft
Basement Area	2,649 sqft
Finished Basement	1,986 sqft
Unfinished Basement	663 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	238 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T051500073
Street Address	5836 HIDDEN CREEK DR
City	SAINT CHARLES
State	MO
Zip	63304-2461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN CREEK #1 LOT 50
Legal Subdivision	HIDDEN CREEK #1
Legal Lot Number	50
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4003
Census Tract	311124

Owner

5836 Hidden Creek Dr is owned and occupied by two individuals who bought it in July 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5836 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
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
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Jul 17, 2023	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORS CU
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on File
Deed Sale	Jul 17, 2023 · Amount on File
Prior Sale	Jan 4, 2005 · Amount on File
Deed Document Number	202328264
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 26, 2026
Property Address	5836 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0000030049
Instrument Date	Jun 22, 2026
Instrument	202630049
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5836 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461

Mortgage

Document Number	0000030049,
Date	Jun 26, 2026
Instrument	202630049

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 17, 2023
Property Address	5836 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0000028264
Map Reference	MB 40 PG 297
Instrument Date	Jul 11, 2023
Instrument	2023R-028264
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2024 TRIFT BRIDGE CIR, MELBOURNE, FL 32940-7905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5836 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461

Mortgage

Document Number	0000028265
Date	Jul 17, 2023
Instrument	2023R-028265

Lender

Name	NEIGHBORS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5836 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5836 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461

Mortgage

Document Number	0000089880
Date	Nov 19, 2020
Instrument	2020R-089880

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5836 Hidden Creek Dr was $7,381.

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		$116,256 (-)	$611,871 (-) Land $120,000 Building $491,871
2025	$7,381.00	$116,256	$611,871 Land $120,000 Building $491,871
2023		$108,360 (+16.89%)
2022	$6,398.00	$92,700	$570,317 (+16.89%) Building $570,317
2021			$487,893

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 5836 Hidden Creek Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% 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.

Wildfire

Wildfire risk around 5836 Hidden Creek Dr is low, with a 0.02% annual chance of 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	0.02% 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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