St. Charles County property record for 686 Bluff Manor Cir, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,338 sqft · built 1992 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,443 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | A913000267 |
| Primary APN | A913000267 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,338 sqft Living Area |
| Gross Area | 5,760 sqft |
| 1st Floor Area | 2,497 sqft |
| Basement Area | 2,455 sqft |
| Finished Basement | 1,841 sqft |
| Unfinished Basement | 614 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Attached |
| Garage Area | 808 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 125 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A913000267 |
|---|---|
| Street Address | 686 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 519 |
| Legal Subdivision | BLUFF MEADOWS #5 |
| Legal Lot Number | 519 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 311148 |
Source: St. Charles County records, as of August 13, 2025
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 | 686 BLUFF MANOR CIR, SAINT CHARLES, MO 63303-1516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2016 |
| Deed Sale | Jul 18, 2016 |
| Prior Sale | Apr 12, 2016 · Amount on Record |
| Deed Document Number | 2016445730 |
| Deed Book / Page | 6574 / 2049 |
| Prior Transfer Date | Jul 25, 2003 |
| Prior Transfer Doc | 0035910172 |
| Record Updated | Jun 8, 2026 |
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 | $5,443.00 (-1.23%) | $90,834 (+1.74%) | $478,076 (+1.74%) Land $90,000 Building $388,076 |
| 2024 | $5,511.00 (+6.14%) | ||
| 2023 | $89,282 (+14.45%) | ||
| 2022 | $5,192.00 | $78,012 | $469,906 (+14.45%) Land $70,000 Building $399,906 |
| 2021 | $410,592 Land $70,000 Building $340,592 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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