51 Bunker Hl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 51 Bunker Hl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,888 sqft · built 1978
Lot Size	0.254 acres (11,050 sqft)
Owner	Individual Name on File
Last Sale	$151,500 (Apr 2002)
Tax Bill	$3,920 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`450000B061`

Property Details

APN / Parcel Number

Primary APN	`450000B061`
Alternative APN	`3-0118-5195-00-0197.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,888 sqft Living Area
Gross Area	3,440 sqft
1st Floor Area	1,888 sqft
Basement Area	1,023 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Stone
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,050 sqft (0.254 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	591 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	450000B061
Street Address	51 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 197
Legal Subdivision	HERITAGE #6
Legal Lot Number	197
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1001
Census Tract	311146

Owner

51 Bunker Hl is owned and occupied by an individual who acquired it in January 2021.

Source: St. Charles County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	51 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
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SOLUTIONS/COMPANY
Apr 9, 2021	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2002 · Amount on File
Deed Sale	Apr 8, 2002 · Amount on File
Prior Sale	Jul 10, 1998
Deed Document Number	200232439
Deed Book / Page	2858 / 1345
Last Transfer Date	Jan 19, 2021
Transfer Doc	0000031474
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 4, 2026
Property Address	51 BUNKER HL, SAINT CHARLES, MO 63303-6101
Document Number	0000036853
Instrument Date	Jul 27, 2026
Instrument	202636853
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 BUNKER HL, SAINT CHARLES, MO 63303-6101

Mortgage

Document Number	0000036853,
Date	Aug 4, 2026
Instrument	202636853

Lender

Name	MORTGAGE SOLUTIONS/COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 9, 2021
Property Address	51 BUNKER HL, SAINT CHARLES, MO 63303-6101
Document Number	0000031474
Map Reference	MB 20 PG 12
Instrument Date	Jan 19, 2021
Instrument	2021R-031474
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	51 BUNKER HL, SAINT CHARLES, MO 63303-6101

Tax Assessment & Valuation

The 2025 property tax bill for 51 Bunker Hl was $3,920, up 8.2% 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		$65,291 (-)	$343,635 (-) Land $80,000 Building $263,635
2025	$3,920.00 (+8.23%)	$65,291	$343,635 Land $80,000 Building $263,635
2024	$3,622.00
2023		$58,514
2022			$307,967 Land $70,000 Building $237,967

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 51 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 51 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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