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

St. Charles County property record for 776 Oak Leaf Bluff Dr, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,562 sqft · built 1998
Lot Size0.26 acres (11,326 sqft)
Owner2 Individual Names on Record
Last Sale$310,000 (Nov 2019)
Tax Bill$4,698 (2025)
Deeds & MortgagesNov 2019 Mortgage
Flood ZoneZone X (minimal risk)
APNA983000929

Property Details

APN / Parcel Number

Primary APNA983000929
Alternative APN
  • 3-0037-7848-00-0059.0000000

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,562 sqft Living Area
Gross Area4,804 sqft
1st Floor Area1,442 sqft
Basement Area1,430 sqft
Finished Basement870 sqft
Unfinished Basement560 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Architectural StyleBi-Level
Exterior MaterialBrick/Stone
Lot Area11,326 sqft (0.26 acres)
TerrainRolling
Garage TypeAttached
Garage Area682 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area78 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA983000929
Street Address776 OAK LEAF BLUFF DR
CitySAINT CHARLES
StateMO
Zip63304-5010
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOAK GROVE BLUFFS #3 LOT 59
Legal SubdivisionOAK GROVE BLUFFS #3
Legal Lot Number59
JurisdictionST CHARLES MO
Township / Civil DivisionHARVESTER
Census Block Group1
Census Block1001
Census Tract311150

Owner

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 Record2 Individual Names on Record
Mailing Address776 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 12, 2019 · Amount on Record
Deed SaleNov 12, 2019 · Amount on Record
Prior SaleApr 1, 2005 · Amount on Record
Deed Document Number2019646340
Deed Book / Page7180 / 850
Prior Transfer DateFeb 23, 2005
Prior Transfer Doc0041401581
Record UpdatedJun 8, 2026

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateNov 12, 2019
Property Address776 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010
Document Number0071800850
Book / Page7180 / 0850
Map ReferenceMB 34 PG 281
Instrument DateNov 7, 2019
Instrument20191112000646340
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyINVESTORS TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3393 TRIPOLI BLVD, 3393, PUNTA GORDA, FL 33950-7823

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address776 OAK LEAF BLUFF DR, SAINT CHARLES, MO 63304-5010

Mortgage

Document Number20191112000646350
DateNov 12, 2019
Instrument20191112000646350
Lender
NameBROKER SOLUTIONS INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,698.00 (+10.31%)$79,281 (+11.09%)$417,270 (+11.09%) Land $70,000 Building $347,270
2024$4,259.00
2023$71,364
2022$375,598 Land $55,000 Building $320,598

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

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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