5848 Hidden Creek Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5848 Hidden Creek Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 5,423 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Oct 2020)
Tax Bill	$7,683 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T051500067`

Property Details

APN / Parcel Number

Primary APN	`T051500067`
Alternative APN	`3-157C-9469-00-0044.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	5,423 sqft Living Area
Gross Area	6,268 sqft
1st Floor Area	2,823 sqft
Basement Area	2,805 sqft
Finished Basement	2,600 sqft
Unfinished Basement	205 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	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T051500067
Street Address	5848 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 44
Legal Subdivision	HIDDEN CREEK #1
Legal Lot Number	44
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4003
Census Tract	311124

Owner

5848 Hidden Creek Dr is owned and occupied by an individual who acquired it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	5848 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 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 13, 2022	Intrafamily Transfer, Transfer
Oct 1, 2020	Warranty Deed, Transfer KELLER MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2020 · Amount on File
Deed Sale	Oct 1, 2020 · Amount on File
Prior Sale	Oct 1, 2020 · Amount on File
Deed Document Number	202073678
Last Transfer Date	Jun 14, 2022
Transfer Doc	0000038964
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5848 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5848 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461

Mortgage

Document Number	0000034224
Date	Jun 20, 2022
Instrument	2022R-034224

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 13, 2022
Property Address	5848 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0000038964
Map Reference	MB 40 PG 297
Instrument Date	Jun 14, 2022
Instrument	2022R-038964
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5848 HIDDEN CREEK DR, 5848, SAINT CHARLES, MO 63304-2461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5848 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 1, 2020
Property Address	5848 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0000073678
Instrument Date	Sep 25, 2020
Instrument	73678
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5848 HIDDEN CREEK DR ST CHARLES MO 633042461, ST CHARLES, MO 63304-2461

Mortgage

Document Number	73679
Date	Oct 1, 2020
Instrument	73679

Lender

Name	KELLER MTG
Type	Mortgage Company
Address	DUBLIN, OH 43016

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5848 Hidden Creek Dr was $7,683.

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		$121,036 (-)	$637,030 (-) Land $120,000 Building $517,030
2025	$7,683.00	$121,036	$637,030 Land $120,000 Building $517,030
2023		$113,383
2022			$596,754 Building $596,754

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 5848 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 5848 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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