St. Charles County property record for 6 Big Bluff Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 4,244 sqft · built 1994 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Jul 2018) |
| Tax Bill | $5,603 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Dec 2025 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A893000223 |
| Primary APN | A893000223 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 4,244 sqft Living Area |
| Gross Area | 5,870 sqft |
| 1st Floor Area | 2,544 sqft |
| Basement Area | 2,525 sqft |
| Finished Basement | 1,700 sqft |
| Unfinished Basement | 825 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 801 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 42 sqft |
| Deck Area | Deck Area |
| Patio Area | 412 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A893000223 |
|---|---|
| Street Address | 6 BIG BLUFF CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUFF PT LOT 4 |
| Legal Subdivision | BLUFF PT |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311132 |
Source: St. Charles County records, as of January 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK |
| Dec 10, 2025 | Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK |
| Jan 9, 2020 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Dec 1, 2020 | Deed of Trust, Mortgage FIRST ST BK/ST CHARLES |
| Jun 6, 2019 | Deed of Trust, Mortgage FIRST ST BK/ST CHARLES |
| Jul 27, 2018 | Warranty Deed, Transfer FIRST ST BK/ST CHARLES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2018 · Amount on Record |
| Deed Sale | Jul 27, 2018 · Amount on Record |
| Prior Sale | Aug 18, 2014 · Amount on Record |
| Deed Document Number | 2018425600 |
| Deed Book / Page | 6954 / 846 |
| Prior Transfer Date | Aug 12, 2014 |
| Prior Transfer Doc | 0062282242 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6 BIG SLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000058439 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 2025R-058439 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 7, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 6 BIG SLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000055401 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 2025R-055401 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHLAND, MO 65010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 7, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0072131477 |
|---|---|
| Date | Jan 9, 2020 |
| Book Page | 7213/1477 |
| Instrument | 20200109000016830 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0000096091 |
| Instrument Date | Dec 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2021 |
| Title Company | PTA TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6 BIG BLUFF CT ST CHARLES MO 633041462, ST CHARLES, MO 63304-1462 |
| Document Number | 0000096091 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 96091 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Dec 7, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0070880473 |
| Instrument Date | Jun 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2019 |
| Title Company | PINNACLE TITLE AGENCY, PINNACLE TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6 BIG BLUFF CT ST CHARLES MO 633041462, ST CHARLES, MO 63304-1462 |
| Document Number | 0070880473 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 007088/000473 |
| Instrument | 287140 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jun 11, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 27, 2018 |
| Property Address | 6 BIG BLUFF CT, SAINT CHARLES, MO 63304-1462 |
| Document Number | 0069540846 |
| Book / Page | 006954 / 000846 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 425600 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2018 |
| Title Company | CONTINENTAL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6 BIG BLUFF CT ST CHARLES MO 633041462, ST CHARLES, MO 63304-1462 |
| Document Number | 69540848 |
|---|---|
| Date | Jul 27, 2018 |
| Book Page | 006954/000848 |
| Instrument | 425610 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | ST CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,603.00 (+0.99%) | $94,627 (+1.63%) | $498,039 (+1.63%) Land $90,000 Building $408,039 |
| 2024 | $5,548.00 | ||
| 2023 | $93,111 | ||
| 2022 | $490,059 Land $70,000 Building $420,059 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 26 (1979–2019) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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