5860 Hidden Creek Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5860 Hidden Creek Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,269 sqft · built 2005
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (May 2018)
Tax Bill	$7,454 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T051500061`

Property Details

APN / Parcel Number

Primary APN	`T051500061`
Alternative APN	`3-157C-9469-00-0038.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,269 sqft Living Area
Gross Area	6,496 sqft
1st Floor Area	2,032 sqft
Basement Area	1,976 sqft
Finished Basement	485 sqft
Unfinished Basement	1,491 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	20,038 sqft (0.46 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	55 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T051500061
Street Address	5860 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 38
Legal Subdivision	HIDDEN CREEK #1
Legal Lot Number	38
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4003
Census Tract	311124

Owner

5860 Hidden Creek Dr is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5860 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
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK
Sep 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage WEST COMMUNITY CU
Jul 24, 2019	Deed of Trust, Mortgage F&B ACQUISITION
Nov 21, 2018	Deed of Trust, Mortgage F&B ACQUISITION
May 3, 2018	Warranty Deed, Transfer F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2018 · Amount on File
Deed Sale	May 3, 2018 · Amount on File
Prior Sale	Aug 30, 2005 · Amount on File
Deed Document Number	2018243030
Deed Book / Page	6913 / 2231
Prior Transfer Date	Dec 20, 2013
Prior Transfer Doc	0061341375
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5860 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5860 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461

Mortgage

Document Number	2021R015457
Date	Feb 22, 2021
Instrument	2021R-015457

Lender

Name	CARROLLTON BANK
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5860 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071410311
Date	Sep 12, 2019
Book Page	7141/0311
Instrument	20190912000497060

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2034

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5860 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0071132417
Instrument Date	Jul 24, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5860 HIDDEN CREEK DR ST CHARLES MO 633042461, ST CHARLES, MO 63304-2461

Mortgage

Document Number	0071132417
Date	Jul 30, 2019
Book Page	007113/002417
Instrument	392840

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 29, 2034

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5860 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0070080560
Instrument Date	Nov 21, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5860 HIDDEN CREEK DR ST CHARLES MO 633042461, ST CHARLES, MO 63304-2461

Mortgage

Document Number	0070080560
Date	Nov 29, 2018
Book Page	007008/000560
Instrument	668800

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 28, 2033

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 3, 2018
Property Address	5860 HIDDEN CREEK DR, SAINT CHARLES, MO 63304-2461
Document Number	0069132231
Book / Page	006913 / 002231
Instrument Date	Apr 30, 2018
Instrument	243030
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	FREEDOM TITLE

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	Husband and Wife
Address	5860 HIDDEN CREEK DR ST CHARLES MO 633042461, ST CHARLES, MO 63304-2461

Mortgage

Document Number	69132233
Date	May 3, 2018
Book Page	006913/002233
Instrument	243040

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5860 Hidden Creek Dr was $7,454, down 2.2% from the year before.

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		$117,419 (-)	$617,995 (-) Land $120,000 Building $497,995
2025	$7,454.00 (-2.23%)	$117,419	$617,995 Land $120,000 Building $497,995
2024	$7,624.00
2023		$119,045
2022			$626,551 Land $95,000 Building $531,551

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 5860 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 5860 Hidden Creek Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.03% 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 137 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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