656 Bluff Manor Cir, Saint Charles, MO 63303 Property Records

St. Charles County property record for 656 Bluff Manor Cir, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,404 sqft · built 1990
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,446 (2025)
Deeds & Mortgages	Nov 2023 Transfer Nov 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A913000262`

Property Details

APN / Parcel Number

Primary APN	`A913000262`
Alternative APN	`3-0133-6636-00-0514.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,404 sqft Living Area
Gross Area	5,764 sqft
1st Floor Area	2,472 sqft
Basement Area	2,444 sqft
Finished Basement	1,932 sqft
Unfinished Basement	512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,284 sqft (0.81 acres)
Garage Type	Attached
Garage Area	848 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A913000262
Street Address	656 BLUFF MANOR CIR
City	SAINT CHARLES
State	MO
Zip	63303-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUFF MEADOWS #5 LOT 514
Legal Subdivision	BLUFF MEADOWS #5
Legal Lot Number	514
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2007
Census Tract	311148

Owner

656 Bluff Manor Cir is owned by two individuals who acquired it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	420 ADDISON LN, TROY, MO 63379-4602
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 29, 2023	Intrafamily Transfer, Transfer
Nov 17, 2023	Affidavit of Death of Joint Tenant, Transfer
Nov 23, 2022	Affidavit of Death of Joint Tenant, Transfer
Nov 23, 2022	Beneficiary Deed, Transfer
Dec 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2023
Deed Sale	Nov 29, 2023
Deed Document Number	202348557
Prior Transfer Date	Nov 22, 2022
Prior Transfer Doc	0000062735
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 29, 2023
Property Address	656 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516
Document Number	0000048557
Map Reference	MB 30 PG 65
Instrument Date	Nov 28, 2023
Instrument	2023R-048557
Transaction Type	Transfer
Record Updated	Dec 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 TENNESSEE WALKER WAY, SAINT PETERS, MO 63376-1791

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 TENNESSEE WALKER WAY, SAINT PETERS, MO 63376-1791

November 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2023
Property Address	656 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516
Document Number	0000047380
Map Reference	MB 30 PG 65
Instrument Date	Nov 2, 2023
Instrument	2023R-047380
Transaction Type	Transfer
Record Updated	Dec 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	123 TENNESSEE WALKER WAY, SAINT PETERS, MO 63376-1791

November 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Nov 23, 2022
Property Address	656 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516
Document Number	0000062734
Map Reference	MB 30 PG 65
Instrument Date	Nov 22, 2022
Instrument	2022R-062734
Transaction Type	Transfer
Record Updated	Dec 6, 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

November 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 23, 2022
Property Address	656 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516
Document Number	0000062735
Map Reference	MB 30 PG 65
Instrument Date	Nov 22, 2022
Instrument	2022R-062735
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 BLUFF MANOR CIR, 656, SAINT CHARLES, MO 63303-1516

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	123 TENNESSEE WALKER WAY, COTTLEVILLE, MO 63376-1791

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	656 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071912204
Date	Dec 3, 2019
Book Page	7191/2204
Instrument	20191203000690940

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 656 Bluff Manor Cir was $5,446, down 7.1% 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
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$90,890 (-)	$478,368 (-) Land $90,000 Building $388,368
2025	$5,446.00 (-7.13%)	$90,890	$478,368 Land $90,000 Building $388,368
2024	$5,864.00
2023		$95,017
2022			$500,087 Building $500,087

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

Flood

FEMA maps place 656 Bluff Manor Cir in Zone X, an area of minimal flood risk.

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

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 656 Bluff Manor Cir 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 93% of the US · lower than 90% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 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 · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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