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

St. Charles County property record for 755 Oak Leaf Bluff Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,944 sqft · built 2000
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$93,800 (Sep 2009)
Tax Bill	$4,155 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A983000944`

Property Details

APN / Parcel Number

Primary APN	`A983000944`
Alternative APN	`3-0037-7848-00-0074.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,944 sqft Living Area
Gross Area	3,869 sqft
1st Floor Area	1,129 sqft
Basement Area	969 sqft
Finished Basement	846 sqft
Unfinished Basement	123 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	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	802 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	365 sqft
Patio Area	240 sqft

Location & Zoning

Account Number	A983000944
Street Address	755 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 74
Legal Subdivision	OAK GROVE BLUFFS #3
Legal Lot Number	74
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1001
Census Tract	311150

Owner

755 Oak Leaf Bluff Dr is owned and occupied by an individual who bought it in September 2009.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	755 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2009 · Amount on File
Deed Sale	Sep 10, 2009 · Amount on File
Prior Sale	Sep 26, 2000 · Amount on File
Deed Document Number	2009720810
Deed Book / Page	5262 / 976
Prior Transfer Date	Aug 27, 2009
Prior Transfer Doc	0052620978
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	755 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5012
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068751473
Date	Feb 5, 2018
Book Page	6875/1473
Instrument	20180205000066240

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	KANSAS CITY, MO 64112

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 755 Oak Leaf Bluff Dr was $4,155, up 13.1% from the year before.

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		$70,057 (-)	$368,722 (-) Land $70,000 Building $298,722
2025	$4,155.00 (+13.06%)	$70,057	$368,722 Land $70,000 Building $298,722
2024	$3,675.00
2023		$61,509
2022			$323,730 Land $55,000 Building $268,730

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 755 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 755 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