St. Charles County property record for 103 Dunham Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,804 sqft · built 1984 |
| Lot Size | 0.205 acres (8,910 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $179,900 (Sep 2003) |
| Deeds & Mortgages | Dec 2023 Reverse Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A850001106 |
| Primary APN | A850001106 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,804 sqft Living Area |
| Gross Area | 4,028 sqft |
| 1st Floor Area | 1,804 sqft |
| Basement Area | 1,804 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,910 sqft (0.205 acres) |
| Lot Dimensions | 135 ft deep x 66 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A850001106 |
|---|---|
| Street Address | 103 DUNHAM CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHITEHIRST MANOR #2 LOT 20 |
| Legal Subdivision | WHITEHIRST MANOR #2 |
| Legal Lot Number | 20 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 311221 |
103 Dunham Ct is owned and occupied by two individuals who bought it in September 2003.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 DUNHAM CT, SAINT CHARLES, MO 63304-5504 |
| 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.
| Date | Document |
|---|---|
| Dec 26, 2023 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Aug 26, 2020 | Deed of Trust, Mortgage STIFEL BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2003 · Amount on File |
| Deed Sale | Sep 8, 2003 · Amount on File |
| Prior Sale | Jul 8, 1999 · Amount on File |
| Deed Document Number | 2003131733 |
| Deed Book / Page | 3626 / 809 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 103 DUNHAM CT, SAINT CHARLES, MO 63304-5504 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 103 DUNHAM CT, SAINT CHARLES, MO 63304-5504 |
| Investor | Possibly a Property Investor |
| Document Number | 0000051896 |
|---|---|
| Date | Dec 26, 2023 |
| Instrument | 2023R-051896 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 947 Months |
| Due | Nov 12, 2102 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.15% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 103 DUNHAM CT, SAINT CHARLES, MO 63304-5504 |
| Document Number | 0000065345 |
| Instrument Date | Aug 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 DUNHAM CT ST CHARLES MO 633045504, ST CHARLES, MO 63304-5504 |
| Document Number | 0000065345 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 65345 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 3, 2050 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $59,096 | $311,033 Land $60,000 Building $251,033 |
| 2023 | $54,960 | |
| 2022 | $289,264 Land $50,000 Building $239,264 |
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.
FEMA maps place 103 Dunham Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1986.
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 | 3 in force |
| Nearby Flood Claims | 7 (1986–2025) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
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.
The area around 103 Dunham Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 425 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband, Verizon.
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