46 Dugan Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 46 Dugan Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,086 sqft · built 1986
Lot Size	0.109 acres (4,747 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jun 2021)
Tax Bill	$3,668 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860002375`

Property Details

APN / Parcel Number

Primary APN	`A860002375`
Alternative APN	`3-0120-5934-00-0172.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,086 sqft Living Area
Gross Area	3,528 sqft
1st Floor Area	1,124 sqft
Basement Area	962 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,747 sqft (0.109 acres)
Lot Dimensions	101 ft deep x 47 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860002375
Street Address	46 DUGAN CT
City	SAINT CHARLES
State	MO
Zip	63304-3430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWRIDGE #2 LOT 172
Legal Subdivision	MEADOWRIDGE #2
Legal Lot Number	172
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1017
Census Tract	311122

Owner

46 Dugan Ct is owned and occupied by two individuals who bought it in June 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 DUGAN CT, SAINT CHARLES, MO 63304-3430
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
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Apr 14, 2021	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS NATL BANK NASHVILLE
Mar 7, 2017	Deed of Trust, Mortgage FARMERS & MERCHANTS NAT'L BK/N

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on File
Deed Sale	Jun 1, 2021 · Amount on File
Prior Sale	Sep 13, 2013 · Amount on File
Deed Document Number	202146436
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 1, 2021
Property Address	46 DUGAN CT, SAINT CHARLES, MO 63304-3430
Document Number	2021R046436
Map Reference	MB 24 PG 189
Instrument Date	May 27, 2021
Instrument	2021R-046436
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	918 SHADOW RIDGE XING, 918, O FALLON, IL 62269-3102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 DUGAN CT, SAINT CHARLES, MO 63304-3430

Mortgage

Document Number	2021R046437
Date	Jun 1, 2021
Instrument	2021R-046437

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	46 DUGAN CT, SAINT CHARLES, MO 63304-3430
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 DUGAN CT, SAINT CHARLES, MO 63304-3430

Mortgage

Document Number	2021R032870
Date	Apr 14, 2021
Instrument	2021R-032870

Lender

Name	FARMERS & MERCHANTS NATL BANK NASHVILLE
Type	Bank
Address	MASCOUTAH, IL 62258

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Mar 26, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	46 DUGAN CT, SAINT CHARLES, MO 63304-3430
Document Number	0067150748
Instrument Date	Mar 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 DUGAN CT ST CHARLES MO 633043430, ST CHARLES, MO 63304-3430

Mortgage

Document Number	0067150748
Date	Mar 22, 2017
Book Page	006715/000748
Instrument	169400

Lender

Name	FARMERS & MERCHANTS NAT'L BK/N
Type	Bank
Address	LEBANON, IL 62254

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 21, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 46 Dugan Ct was $3,668, up 11.3% 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		$61,799 (-)	$325,256 (-) Land $65,000 Building $260,256
2025	$3,668.00 (+11.25%)	$61,799	$325,256 Land $65,000 Building $260,256
2024	$3,297.00
2023		$55,143
2022			$290,229 Land $65,000 Building $225,229

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 Dugan Ct in Zone X, an area of minimal flood risk, though there have been 7 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 Policies	1 in force
Nearby Flood Claims	7 (1979–2015)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Jun 1993 · 2 claims

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 Dugan Ct 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 514 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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