745 Oak Leaf Bluff Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 745 Oak Leaf Bluff Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,950 sqft · built 2000
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Aug 2010)
Tax Bill	$4,549 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A983000947`

Property Details

APN / Parcel Number

Primary APN	`A983000947`
Alternative APN	`3-0037-7848-00-0077.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,950 sqft Living Area
Gross Area	4,704 sqft
1st Floor Area	1,326 sqft
Basement Area	1,278 sqft
Finished Basement	400 sqft
Unfinished Basement	878 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	876 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Patio Area	400 sqft

Location & Zoning

Account Number	A983000947
Street Address	745 OAK LEAF BLUFF DR
City	SAINT CHARLES
State	MO
Zip	63304-5012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK GROVE BLUFFS #3 LOT 77
Legal Subdivision	OAK GROVE BLUFFS #3
Legal Lot Number	77
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1001
Census Tract	311150

Owner

745 Oak Leaf Bluff Dr is owned and occupied by two individuals who bought it in August 2010.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	745 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5012
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2010 · Amount on File
Deed Sale	Aug 20, 2010 · Amount on File
Prior Sale	Apr 19, 2000 · Amount on File
Deed Document Number	2010517000
Deed Book / Page	5433 / 1348
Prior Transfer Date	Mar 13, 2002
Prior Transfer Doc	0000029875
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	745 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5012
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 OAK LEAF BLUFF DR, COTTLEVILLE, MO 63304-5012

Mortgage

Document Number	0000017073
Date	Mar 24, 2022
Instrument	2022R-017073

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64116

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 745 Oak Leaf Bluff Dr was $4,549.

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		$76,751 (-)	$403,955 (-) Land $70,000 Building $333,955
2025	$4,549.00	$76,751	$403,955 Land $70,000 Building $333,955
2023		$68,010
2022			$357,947 Land $55,000 Building $302,947

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 745 Oak Leaf Bluff Dr 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 745 Oak Leaf Bluff Dr 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.

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 470 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