St. Charles County property record for 748 Oak Leaf Bluff Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,346 sqft · built 2000 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $244,500 (Aug 2006) |
| Tax Bill | $4,050 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000915 |
| Primary APN | A983000915 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,346 sqft Living Area |
| Gross Area | 4,019 sqft |
| 1st Floor Area | 1,273 sqft |
| Basement Area | 1,273 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 185 sqft |
| Patio Area | 180 sqft |
| Account Number | A983000915 |
|---|---|
| Street Address | 748 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 45 |
| Legal Subdivision | OAK GROVE BLUFFS #3 |
| Legal Lot Number | 45 |
| 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 | 748 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 19, 2021 | Deed of Trust, Mortgage · VA Mortgage COMMUNITY MORTGAGE LLC |
| Jul 11, 2018 | Deed of Trust, Mortgage · VA Mortgage COMMUNITY MORTGAGE LLC |
| Apr 18, 2019 | Deed of Trust, Mortgage · VA Mortgage COMMUNITY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2006 · Amount on Record |
| Deed Sale | Aug 3, 2006 · Amount on Record |
| Prior Sale | Aug 3, 2006 · Amount on Record |
| Deed Document Number | 2006659820 |
| Deed Book / Page | 4545 / 1707 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 748 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 748 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Document Number | 0000024658 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 2023R-024658 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 13, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 748 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2021 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 748 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Document Number | 2021R024250 |
|---|---|
| Date | Mar 19, 2021 |
| Instrument | 2021R-024250 |
| Name | COMMUNITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, MO 64055 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 748 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069470065 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 6947/0065 |
| Instrument | 20180711000390930 |
| Name | COMMUNITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, MO 64055 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 748 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070610795 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 7061/0795 |
| Instrument | 20190418000178910 |
| Name | COMMUNITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, MO 64055 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
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 | $68,280 (-) | $359,366 (-) Land $70,000 Building $289,366 | |
| 2025 | $4,050.00 | $68,280 (+8.07%) | $359,366 (+8.07%) Land $70,000 Building $289,366 |
| 2023 | $63,181 | ||
| 2022 | $332,533 Land $55,000 Building $277,533 |
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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