St. Charles County property record for 3456 Sutton Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,286 sqft · built 1999 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $346,974 (Apr 2013) |
| Tax Bill | $6,703 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T000700069 |
| Primary APN | T000700069 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,286 sqft Living Area |
| Gross Area | 6,894 sqft |
| 1st Floor Area | 2,398 sqft |
| Basement Area | 1,888 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 132 sqft |
| Deck Area | Deck Area |
| Patio Area | 504 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T000700069 |
|---|---|
| Street Address | 3456 SUTTON CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVINGTON #2 LOT 309 |
| Legal Subdivision | COVINGTON #2 |
| Legal Lot Number | 309 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 310801 |
3456 Sutton Ct is owned and occupied by two individuals who bought it in April 2013.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3456 SUTTON CT, SAINT CHARLES, MO 63301-4088 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2013 · Amount on File |
| Deed Sale | Apr 16, 2013 · Amount on File |
| Prior Sale | Oct 27, 1999 · Amount on File |
| Deed Document Number | 2013299510 |
| Deed Book / Page | 5998 / 1483 |
| Prior Transfer Date | Apr 10, 2013 |
| Prior Transfer Doc | 0059981483 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3456 SUTTON CT, SAINT CHARLES, MO 63301-4088 |
| Document Number | 0000079741 |
| Instrument Date | Oct 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3456 SUTTON CT ST CHARLES MO 633014088, ST CHARLES, MO 63301-4088 |
| Document Number | 0000079741 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 79741 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 19, 2050 |
The 2025 property tax bill for 3456 Sutton Ct was $6,703, up 4.6% from the year before.
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 | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $107,467 (-) | $565,618 (-) Land $88,000 Building $477,618 | |
| 2025 | $6,703.00 (+4.59%) | $107,467 | $565,618 Land $88,000 Building $477,618 |
| 2024 | $6,409.00 | ||
| 2023 | $100,329 | ||
| 2022 | $528,049 Land $60,500 Building $467,549 |
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 3456 Sutton Ct in Zone X, an area of minimal flood risk, though there have been 4 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1979–1986) |
| Most Recent Claim | Oct 1986 · Severe Storms & Flooding |
| Claims by Event |
|
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 3456 Sutton Ct 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 93% of the US · lower than 90% 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 | 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 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband.
5G and 4G LTE (outdoors only)
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