5840 Hidden Creek Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5840 Hidden Creek Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,050 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$445,512 (Mar 2005)
Tax Bill	$7,754 (2025)
Deeds & Mortgages	Nov 2022 Sale Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`T051500071`

Property Details

APN / Parcel Number

Primary APN	`T051500071`
Alternative APN	`3-157C-9469-00-0048.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,050 sqft Living Area
Gross Area	6,883 sqft
1st Floor Area	2,245 sqft
Basement Area	2,029 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	804 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	234 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T051500071
Street Address	5840 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 48
Legal Subdivision	HIDDEN CREEK #1
Legal Lot Number	48
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4003
Census Tract	311124

Owner

5840 Hidden Creek Dr is owned and occupied by two individuals who acquired it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5840 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
Nov 8, 2022	Beneficiary Deed, Transfer
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2005 · Amount on File
Deed Sale	Mar 4, 2005 · Amount on File
Deed Document Number	2005192940
Deed Book / Page	4115 / 1981
Last Transfer Date	Nov 4, 2022
Transfer Doc	0000060604
Record Updated	Oct 29, 2026

November 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 8, 2022
Property Address	5840 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0000060604
Map Reference	MB 40 PG 297
Instrument Date	Nov 4, 2022
Instrument	2022R-060604
Transaction Type	Transfer
Record Updated	Nov 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5480 HIDDEN CREEK DR, SAINT CHARLES, MO 63304

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5840 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5840 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461

Mortgage

Document Number	0000072612
Date	Sep 29, 2020
Instrument	2020R-072612

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5840 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031556
Date	Apr 9, 2021
Instrument	2021R-031556

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 5840 Hidden Creek Dr was $7,754.

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		$122,160 (-)	$642,945 (-) Land $120,000 Building $522,945
2025	$7,754.00	$122,160	$642,945 Land $120,000 Building $522,945
2023		$124,359
2022			$654,521 Land $95,000 Building $559,521

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 5840 Hidden Creek Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 5840 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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