St. Charles County property record for 679 Bluff Manor Cir, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,727 sqft · built 1996 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Nov 2019) |
| Tax Bill | $4,535 (2025) |
| Deeds & Mortgages | May 2023 Sale Nov 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A913000278 |
| Primary APN | A913000278 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,727 sqft Living Area |
| Gross Area | 4,762 sqft |
| 1st Floor Area | 2,027 sqft |
| Basement Area | 1,989 sqft |
| Finished Basement | 1,700 sqft |
| Unfinished Basement | 289 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 746 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A913000278 |
|---|---|
| Street Address | 679 BLUFF MANOR CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUFF MEADOWS #5 LOT 546 |
| Legal Subdivision | BLUFF MEADOWS #5 |
| Legal Lot Number | 546 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 311148 |
679 Bluff Manor Cir is owned and occupied by an individual who acquired it in May 2023.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 679 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1518 |
| 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.
| Date | Document |
|---|---|
| May 24, 2023 | Beneficiary Deed, Transfer |
| Nov 21, 2019 | Grant Deed, Transfer BANK OF AMERICA |
| Dec 18, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Apr 25, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2019 · Amount on File |
| Deed Sale | Nov 21, 2019 · Amount on File |
| Prior Sale | Apr 14, 2016 · Amount on File |
| Deed Document Number | 2019669230 |
| Deed Book / Page | 7186 / 907 |
| Last Transfer Date | May 22, 2023 |
| Transfer Doc | 0000019828 |
| Record Updated | Sep 20, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 24, 2023 |
| Property Address | 679 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1518 |
| Document Number | 0000019828 |
| Map Reference | MB 30 PG 65&66 |
| Instrument Date | May 22, 2023 |
| Instrument | 2023R-019828 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 679 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1518 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 21, 2019 |
| Property Address | 679 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1518 |
| Document Number | 0071860907 |
| Book / Page | 007186 / 000907 |
| Instrument Date | Nov 19, 2019 |
| Instrument | 669230 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 679 BLUFF MANOR CIR ST CHARLES MO 633031518, ST CHARLES, MO 63303-1518 |
| Document Number | 71860909 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 007186/000909 |
| Instrument | 669240 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Nov 20, 2029 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 18, 2018 |
| Property Address | 679 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1518 |
| Document Number | 0070151932 |
| Book / Page | 007015 / 001932 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 704130 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 679 BLUFF MANOR CIR ST CHARLES MO 633031518, ST CHARLES, MO 63303-1518 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 25, 2018 |
| Property Address | 679 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1518 |
| Document Number | 0069091675 |
| Book / Page | 006909 / 001675 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 224570 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 224 KILDARE CT O FALLON MO 633667423, O FALLON, MO 63366-7423 |
The 2025 property tax bill for 679 Bluff Manor Cir was $4,535, down 4.2% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $75,598 (-) | $397,886 (-) Land $90,000 Building $307,886 | |
| 2025 | $4,535.00 (-4.18%) | $75,598 | $397,886 Land $90,000 Building $307,886 |
| 2024 | $4,733.00 | ||
| 2023 | $76,610 | ||
| 2022 | $403,208 Land $70,000 Building $333,208 |
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.
FEMA maps place 679 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 risk around 679 Bluff Manor Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 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 |
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