St. Charles County property record for 548 Buggywhip Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,148 sqft · built 1999 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $377,900 (May 2018) |
| Tax Bill | $5,070 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000466 |
| Primary APN | A983000466 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,148 sqft Living Area |
| 1st Floor Area | 1,798 sqft |
| Basement Area | 1,350 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 105 sqft |
| Patio Area | 260 sqft |
| Account Number | A983000466 |
|---|---|
| Old Parcel Number | A983000466 |
| Street Address | 548 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 44 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | HORSESHOE CREEK #1 |
| Legal Lot Number | 44 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 311150 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 548 BUGGYWHIP DR, SAINT CHARLES, MO 63304-2309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| May 2, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2018 · Amount on Record |
| Deed Sale | May 2, 2018 · Amount on Record |
| Prior Sale | Mar 7, 2003 |
| Deed Document Number | 0069131321 |
| Deed Book / Page | 6913 / 1321 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 548 BUGGYWHIP DR, SAINT CHARLES, MO 63304-2309 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Address | 548 BUGGYWHIP DR, COTTLEVILLE, MO 63304-2309 |
| Document Number | 0000098763 |
|---|---|
| Date | Dec 7, 2021 |
| Instrument | 2021R-098763 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 2, 2018 |
| Property Address | 548 BUGGYWHIP DR, SAINT CHARLES, MO 63304-2309 |
| Document Number | 0069131321 |
| Book / Page | 6913 / 1321 |
| Map Reference | MB 34 PG 164 |
| Instrument Date | Apr 25, 2018 |
| Instrument | 20180502000241450 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | UNIVERSITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 548 BUGGYWHIP DR, 548, SAINT CHARLES, MO 63304-2309 |
| Name | Verified Name |
|---|---|
| Address | 548 BUGGYWHIP DR, SAINT CHARLES, MO 63304-2309 |
| Document Number | 20180502000241470 |
|---|---|
| Date | May 2, 2018 |
| Instrument | 20180502000241470 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2048 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,070.00 | $85,585 (+15.03%) | $450,447 (+15.03%) Land $70,000 Building $380,447 |
| 2023 | $74,400 | ||
| 2022 | $391,581 Land $55,000 Building $336,581 |
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.
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.
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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures