46 Bunker Hl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 46 Bunker Hl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 2019
Lot Size	0.269 acres (11,736 sqft)
Owner	Individual Name on File
Last Sale	$306,392 (Mar 2020)
Tax Bill	$4,444 (2025)
Deeds & Mortgages	Oct 2019 Construction Loan Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`450000B056`

Property Details

APN / Parcel Number

Primary APN	`450000B056`
Alternative APN	`3-0118-5195-00-0192.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,630 sqft Living Area
1st Floor Area	1,381 sqft
Basement Area	1,630 sqft
Fireplaces	1 Fireplace
Fireplace	2 Story

Exterior

Year Built	Built 2019
Architectural Style	Split Level
Exterior Material	Composition/Composite
Lot Area	11,736 sqft
Lot Dimensions	163 ft deep x 72 ft wide
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	450000B056
Old Parcel Number	450000B056
Street Address	46 BUNKER HL
City	SAINT CHARLES
State	MO
Zip	63303-6101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AB8
Legal Description	HERITAGE #6 LOT 192
Legal Range	04E
Legal Township	46N
Legal Subdivision	HERITAGE #6
Legal Lot Number	192
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1001
Census Tract	311146

Owner

46 Bunker Hl is owned and occupied by an individual who bought it in March 2020.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Mailing Address	46 BUNKER HL, SAINT CHARLES, MO 63303-6101
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

Date	Document
Oct 10, 2019	Deed of Trust, Mortgage · Construction Mortgage 1ST ADVANTAGE BANK
Mar 25, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
May 22, 2018	Warranty Deed, Transfer · Line of Credit 1ST ADVANTAGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2020 · Amount on File
Deed Sale	Mar 25, 2020 · Amount on File
Prior Sale	May 22, 2018 · Amount on File
Deed Document Number	0072551908
Deed Book / Page	7255 / 1908
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	46 BUNKER HL, SAINT CHARLES, MO 63303-6101
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071600120
Date	Oct 10, 2019
Book Page	7160/0120
Instrument	20191010000568170

Lender

Name	1ST ADVANTAGE BANK
Type	Bank
Address	SAINT PETERS, MO 63376

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 25, 2020
Property Address	46 BUNKER HL, SAINT CHARLES, MO 63303-6101
Document Number	0072551908
Book / Page	7255 / 1908
Map Reference	MB 20 PG 12
Instrument Date	Mar 20, 2020
Instrument	20200325000184300
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	667 LAKEWOOD DR, 667, LAKE SAINT LOUIS, MO 63367-1311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 BUNKER HL, SAINT CHARLES, MO 63303-6101

Mortgage

Document Number	20200325000184310
Date	Mar 25, 2020
Instrument	20200325000184310

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 22, 2018
Property Address	46 BUNKER HL, SAINT CHARLES, MO 63303-6101
Document Number	0069221079
Book / Page	6922 / 1079
Map Reference	MB 20 PG 12
Instrument Date	May 15, 2018
Instrument	20180522000282220
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2212 TIME CENTRE DR, 2212, SAINT CHARLES, MO 63303-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	667 LAKEWOOD DR, LAKE SAINT LOUIS, MO 63367-1311

Mortgage

Document Number	20180522000282230
Date	May 22, 2018
Instrument	20180522000282230

Lender

Name	1ST ADVANTAGE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 46 Bunker Hl was $4,444.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$4,444.00	$74,085	$389,921 Land $80,000 Building $309,921
2023		$65,682
2022			$345,702 Land $70,000 Building $275,702

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 46 Bunker Hl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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	1 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding

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 46 Bunker Hl 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.

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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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