St. Charles County property record for 746 Oak Leaf Bluff Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,865 sqft · built 1999 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Sep 2018) |
| Tax Bill | $4,460 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jun 2023 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000914 |
| Primary APN | A983000914 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,865 sqft Living Area |
| Gross Area | 4,434 sqft |
| 1st Floor Area | 1,496 sqft |
| Basement Area | 1,188 sqft |
| Finished Basement | 169 sqft |
| Unfinished Basement | 1,019 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 12 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A983000914 |
|---|---|
| Street Address | 746 OAK LEAF BLUFF DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK GROVE BLUFFS #3 LOT 44 |
| Legal Subdivision | OAK GROVE BLUFFS #3 |
| Legal Lot Number | 44 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 311150 |
Source: St. Charles County records, as of August 7, 2026
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 | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE LLC |
| Aug 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE LLC |
| Sep 11, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage COMMUNITY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2018 · Amount on Record |
| Deed Sale | Sep 11, 2018 · Amount on Record |
| Prior Sale | Jul 6, 2001 · Amount on Record |
| Deed Document Number | 2018520300 |
| Deed Book / Page | 6975 / 639 |
| Prior Transfer Date | Sep 5, 2018 |
| Prior Transfer Doc | 0069750639 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Name | Verified Name |
|---|---|
| Address | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Document Number | 0000052254 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 2025R-052254 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000024336 |
|---|---|
| Date | Jun 22, 2023 |
| Instrument | 2023R-024336 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Document Number | 0000005025 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 2022R-005025 |
| Name | COMMUNITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, MO 64055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073690437 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 7369/437 |
| Instrument | 20200811000575400 |
| Name | COMMUNITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, MO 64055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 11, 2018 |
| Property Address | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Document Number | 0069750639 |
| Book / Page | 6975 / 0639 |
| Map Reference | MB 34 PG 281 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 20180911000520300 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CHESTERFIELD TITLE AGENCY LL |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 746 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Document Number | 20180911000520310 |
|---|---|
| Date | Sep 11, 2018 |
| Instrument | 20180911000520310 |
| Name | COMMUNITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
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 | $75,240 (-) | $396,000 (-) Land $70,000 Building $326,000 | |
| 2025 | $4,460.00 (+8.86%) | $75,240 (+9.63%) | $396,000 (+9.63%) Land $70,000 Building $326,000 |
| 2024 | $4,097.00 | ||
| 2023 | $68,630 | ||
| 2022 | $361,210 Land $55,000 Building $306,210 |
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.
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 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 |
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