St. Charles County property record for 3480 Sutton Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 5,810 sqft · built 1999 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $10,496 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T000700075 |
| Primary APN | T000700075 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 5,810 sqft Living Area |
| Gross Area | 6,665 sqft |
| 1st Floor Area | 2,406 sqft |
| Basement Area | 1,804 sqft |
| Finished Basement | 1,600 sqft |
| Unfinished Basement | 204 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 | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 651 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 192 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T000700075 |
|---|---|
| Street Address | 3480 SUTTON CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVINGTON #2 LOT 315 |
| Legal Subdivision | COVINGTON #2 |
| Legal Lot Number | 315 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 310801 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3480 SUTTON CT, SAINT CHARLES, MO 63301-4088 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 30, 2026 |
| Property Address | 3480 SUTTON CT, SAINT CHARLES, MO 63301-4088 |
| Document Number | 0000046547 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202646547 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3480 SUTTON CT, SAINT CHARLES, MO 63301-4088 |
| Investor | Possibly a Property Investor |
| Document Number | 0000046547, |
|---|---|
| Date | Sep 30, 2026 |
| Instrument | 202646547 |
| Name | LOWER LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 21, 2056 |
| Max Rate | -1% |
|---|
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 | $102,436 (-) | $539,138 (-) Land $88,000 Building $451,138 | |
| 2025 | $10,496.00 | $102,436 (+10.26%) | $539,138 (+10.26%) Land $88,000 Building $451,138 |
| 2023 | $92,907 | ||
| 2022 | $488,986 Land $60,500 Building $428,486 |
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 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.
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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