109 Dunham Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 109 Dunham Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,443 sqft · built 1985
Lot Size	0.219 acres (9,548 sqft)
Owner	Individual Name on File
Last Sale	$179,000 (Apr 2009)
Tax Bill	$3,220 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A850001109`

Property Details

APN / Parcel Number

Primary APN	`A850001109`
Alternative APN	`3-0009-5722-00-0023.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,443 sqft Living Area
Gross Area	3,308 sqft
1st Floor Area	1,443 sqft
Basement Area	1,405 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,548 sqft (0.219 acres)
Lot Dimensions	124 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	454 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A850001109
Street Address	109 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 23
Legal Subdivision	WHITEHIRST MANOR #2
Legal Lot Number	23
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	2
Census Block	2024
Census Tract	311221

Owner

109 Dunham Ct is owned and occupied by an individual who acquired it in June 2011.

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

Owner of Record	Individual Name on File
Mailing Address	109 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2009 · Amount on File
Deed Sale	Apr 20, 2009 · Amount on File
Prior Sale	Apr 8, 2003 · Amount on File
Deed Document Number	2009299960
Deed Book / Page	5165 / 894
Last Transfer Date	Jun 3, 2011
Transfer Doc	0055941084
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	109 DUNHAM CT, SAINT CHARLES, MO 63304-5504
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 DUNHAM CT, SAINT CHARLES, MO 63304-5504

Mortgage

Document Number	2021R077965
Date	Sep 17, 2021
Instrument	2021R-077965

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 109 Dunham Ct was $3,220, up 8.4% 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		$54,192 (-)	$285,222 (-) Building $285,222
2025	$3,220.00 (+8.38%)	$54,192	$285,222 Building $285,222
2024	$2,971.00
2023		$49,644
2022			$261,285 Land $50,000 Building $211,285

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

FEMA maps place 109 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.

Wildfire

The area around 109 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.

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 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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