542 Buggywhip Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 542 Buggywhip Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,689 sqft · built 1998
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Company Names on File
Last Sale	$380,000 (Nov 2023)
Tax Bill	$4,392 (2025)
Deeds & Mortgages	Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A983000464`

Property Details

APN / Parcel Number

Primary APN	`A983000464`
Alternative APN	`3-0036-7775-00-0042.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,689 sqft Living Area
Gross Area	4,490 sqft
1st Floor Area	1,916 sqft
Basement Area	1,904 sqft
Finished Basement	773 sqft
Unfinished Basement	1,131 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	76 sqft
Deck Area	Deck Area
Patio Area	330 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A983000464
Street Address	542 BUGGYWHIP DR
City	SAINT CHARLES
State	MO
Zip	63304-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HORSESHOE CREEK #1 LOT 42
Legal Subdivision	HORSESHOE CREEK #1
Legal Lot Number	42
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2002
Census Tract	311150

Owner

542 Buggywhip Dr is owned by a company that bought it in November 2023 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	542 BUGGYWHIP DR, SAINT CHARLES, MO 63304-2309
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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	2 Names on Deed
Last Sale	Nov 15, 2023 · Amount on File
Deed Sale	Nov 15, 2023 · Amount on File
Prior Sale	Jul 24, 2012
Deed Document Number	202347025
Transfer Doc	0066711577
Record Updated	Oct 29, 2026

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 15, 2023
Property Address	542 BUGGYWHIP DR, SAINT CHARLES, MO 63304-2309
Document Number	0000047025
Map Reference	MB 34 PG 164
Instrument Date	Nov 14, 2023
Instrument	2023R-047025
Transaction Type	Transfer
Record Updated	Dec 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 RHYTHM POINT DR, SAINT PETERS, MO 63376-3498

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	542 BUGGYWHIP DR, SAINT CHARLES, MO 63304-2309

Mortgage

Document Number	0000047026
Date	Nov 15, 2023
Instrument	2023R-047026

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 542 Buggywhip Dr was $4,392, up 12.6% 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		$74,084 (-)	$389,916 (-) Land $70,000 Building $319,916
2025	$4,392.00 (+12.59%)	$74,084	$389,916 Land $70,000 Building $319,916
2024	$3,901.00
2023		$65,333 (+16.32%)
2022	$3,610.00	$56,166	$343,856 (+16.32%) Land $55,000 Building $288,856
2021			$295,611

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 542 Buggywhip Dr in Zone X, an area of minimal flood risk.

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	1 in force

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 542 Buggywhip Dr is low, with 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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20