5850 Hidden Creek Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5850 Hidden Creek Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,155 sqft · built 2004
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$62,000 (Jun 2004)
Tax Bill	$6,437 (2024)
Deeds & Mortgages	Mar 2022 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T051500066`

Property Details

APN / Parcel Number

Primary APN	`T051500066`
Alternative APN	`3-157C-9469-00-0043.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,155 sqft Living Area
Gross Area	5,417 sqft
1st Floor Area	3,155 sqft
Basement Area	1,526 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	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	255 sqft
Deck Area	Deck Area
Patio Area	336 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T051500066
Street Address	5850 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 43
Legal Subdivision	HIDDEN CREEK #1
Legal Lot Number	43
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4003
Census Tract	311124

Owner

5850 Hidden Creek Dr is owned and occupied by two individuals who acquired it in September 2016.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5850 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
Mar 18, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 5, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2004 · Amount on File
Deed Sale	Jun 3, 2004 · Amount on File
Deed Document Number	2004532390
Deed Book / Page	3887 / 2091
Last Transfer Date	Sep 21, 2016
Transfer Doc	0066172428
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5850 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5850 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461

Mortgage

Document Number	0000015840
Date	Mar 18, 2022
Instrument	2022R-015840

Lender

Name	US BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63124

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5850 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073072377
Date	Jun 1, 2020
Book Page	7307/2377
Instrument	20200601000356830

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	May 1, 2040

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 5, 2019
Property Address	5850 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0071010996
Book / Page	007101 / 000996
Instrument Date	Jun 27, 2019
Instrument	340680
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1843 SPRING MILL CRK ST CHARLES MO 633031335, ST CHARLES, MO 63303-1335

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025		$103,690	$545,739 Building $545,739
2024	$6,437.00
2023		$100,418
2022			$528,513 Land $95,000 Building $433,513

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5850 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 5850 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.

Nearby Properties on Hidden Creek Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures