St. Charles County property record for 182 Kunze Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,976 sqft · built 1989 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $43,800 (Dec 2019) |
| Tax Bill | $2,802 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jul 2018 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A893001423 |
| Primary APN | A893001423 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,976 sqft Living Area |
| Gross Area | 2,426 sqft |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,006 sqft |
| Finished Basement | 936 sqft |
| Unfinished Basement | 70 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 25 sqft |
| Deck Area | Deck Area |
| Patio Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A893001423 |
|---|---|
| Street Address | 182 KUNZE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING RIDGE LOT 9 |
| Legal Subdivision | WHISPERING RIDGE |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 311001 |
182 Kunze Dr is owned and occupied by two individuals who bought it in December 2019.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 182 KUNZE DR, SAINT CHARLES, MO 63303-5924 |
| 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 |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Line of Credit ALLTRU FCU |
| Jul 16, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Dec 9, 2019 | Intrafamily Transfer, Transfer FIRST FINANCIAL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2019 · Amount on File |
| Deed Sale | Dec 9, 2019 · Amount on File |
| Prior Sale | Jul 17, 2015 · Amount on File |
| Deed Document Number | 2019706270 |
| Deed Book / Page | 7195 / 2151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 182 KUNZE DR, SAINT CHARLES, MO 63303-5924 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 182 KUNZE DR, SAINT CHARLES, MO 63303-5924 |
| Document Number | 0000012308 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 2026R-012308 |
| Name | ALLTRU FCU |
|---|---|
| Type | Credit Union |
| Address | WENTZVILLE, MO 63385 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 17, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 182 KUNZE DR, SAINT CHARLES, MO 63303-5924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069482313 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 6948/2313 |
| Instrument | 20180716000401040 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 3, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 182 KUNZE DR, SAINT CHARLES, MO 63303-5924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0072770472 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 7277/472 |
| Instrument | 20200423000254670 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | May 1, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 9, 2019 |
| Property Address | 182 KUNZE DR, SAINT CHARLES, MO 63303-5924 |
| Document Number | 0071952151 |
| Book / Page | 7195 / 2151 |
| Map Reference | MB 28 PG 197 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 20191209000706270 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 182 KUNZE DR, SAINT CHARLES, MO 63303-5924 |
| Document Number | 20191209000706260 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 20191209000706260 |
| Name | FIRST FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 96 Months |
| Due | Dec 20, 2027 |
The 2025 property tax bill for 182 Kunze Dr was $2,802, up 8.8% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $48,519 (-) | $255,361 (-) Land $60,000 Building $195,361 | |
| 2025 | $2,802.00 (+8.82%) | $48,519 | $255,361 Land $60,000 Building $195,361 |
| 2024 | $2,575.00 | ||
| 2023 | $43,254 | ||
| 2022 | $227,651 Land $50,000 Building $177,651 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 182 Kunze Dr in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1979.
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 |
| Nearby Flood Claims | 20 (1979–1993) |
| Most Recent Claim | Jun 1993 · Severe Storms & Flooding |
| Claims by Event |
|
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 risk around 182 Kunze 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 99.8% of the US · lower than 99.6% 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 | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 276 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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