St. Charles County property record for 3451 Wainwright St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,760 sqft · built 2013 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $251,500 (Sep 2017) |
| Tax Bill | $4,034 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | T120500020 |
| Primary APN | T120500020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Living Area |
| Gross Area | 2,840 sqft |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 680 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Solar |
|---|---|
| Sewer | Connected |
| Account Number | T120500020 |
|---|---|
| Street Address | 3451 WAINWRIGHT ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #4A LOT 3120.B |
| Legal Subdivision | NEW TOWN AT ST CHAS #4A |
| Legal Lot Number | 3120 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 310201 |
3451 Wainwright St is owned and occupied by an individual who bought it in September 2017.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3451 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255 |
| 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.
| Date | Document |
|---|---|
| Jul 13, 2020 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Sep 21, 2017 | Warranty Deed, Transfer · VA Mortgage SUPREME LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2017 · Amount on File |
| Deed Sale | Sep 21, 2017 · Amount on File |
| Prior Sale | Jun 27, 2013 · Amount on File |
| Deed Document Number | 2017595520 |
| Deed Book / Page | 6811 / 649 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3451 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073422398 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 7342/2398 |
| Instrument | 20200713000483380 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 21, 2017 |
| Property Address | 3451 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255 |
| Document Number | 0068110649 |
| Book / Page | 006811 / 000649 |
| Instrument Date | Sep 19, 2017 |
| Instrument | 595520 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2017 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3451 WAINWRIGHT ST ST CHARLES MO 633018255, ST CHARLES, MO 63301-8255 |
| Document Number | 68110651 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 006811/000651 |
| Instrument | 595530 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 20, 2047 |
The 2025 property tax bill for 3451 Wainwright St was $4,034.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,768 (-) | $325,093 (-) Land $60,000 Building $265,093 | |
| 2025 | $4,034.00 | $61,768 | $325,093 Land $60,000 Building $265,093 |
| 2023 | $59,706 | ||
| 2022 | $314,242 Land $45,000 Building $269,242 |
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.
FEMA maps place 3451 Wainwright St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 31 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 3 (2013–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2022 · Severe Storms And 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 risk around 3451 Wainwright St 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 98% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 688 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: T-Mobile, Verizon.
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