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

St. Charles County property record for 674 Bluff Manor Cir, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,004 sqft · built 1993
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on File
Last Sale	$598,425 (Oct 2021)
Deeds & Mortgages	Oct 2021 Reverse Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A913000265`

Property Details

APN / Parcel Number

Primary APN	`A913000265`
Alternative APN	`3-0133-6636-00-0517.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,004 sqft Living Area
Gross Area	5,898 sqft
1st Floor Area	2,616 sqft
Basement Area	2,604 sqft
Finished Basement	1,388 sqft
Unfinished Basement	1,216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	33,541 sqft (0.77 acres)
Garage Type	Attached
Garage Area	678 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	202 sqft
Deck Area	Deck Area
Patio Area	205 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A913000265
Street Address	674 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 517
Legal Subdivision	BLUFF MEADOWS #5
Legal Lot Number	517
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2007
Census Tract	311148

Owner

674 Bluff Manor Cir is owned and occupied by two individuals who bought it in October 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	674 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP
Dec 4, 2020	Deed of Trust, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on File
Deed Sale	Oct 18, 2021 · Amount on File
Deed Document Number	202186041
Prior Transfer Date	Oct 15, 2021
Prior Transfer Doc	0000086041
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 18, 2021
Property Address	674 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516
Document Number	0000086041
Map Reference	MB 30 PG 65
Instrument Date	Sep 23, 2021
Instrument	2021R-086041
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	674 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516

Mortgage

Document Number	0000086042
Date	Oct 18, 2021
Instrument	2021R-086042

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	949 Months
Due	Nov 19, 2100

Interest

Rate Type	Adjustable Rate
Rate	2.67%
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.67%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	674 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516
Document Number	0000095107
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	674 BLUFF MANOR CIR ST CHARLES MO 633031516, ST CHARLES, MO 63303-1516

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$93,400	$491,577 Land $90,000 Building $401,577
2023	$91,941
2022		$483,903 Land $70,000 Building $413,903

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 674 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 674 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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