3483 Wainwright St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3483 Wainwright St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,714 sqft · built 2011
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jan 2018)
Tax Bill	$5,323 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070500793`

Property Details

APN / Parcel Number

Primary APN	`T070500793`
Alternative APN	`5-116C-A177-00-3113.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,714 sqft Living Area
Gross Area	3,428 sqft
1st Floor Area	1,714 sqft
Basement Area	1,714 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Siding
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Detached
Garage Area	600 sqft
Porch	Open Porch
Porch Area	256 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500793
Street Address	3483 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 CHARLES #4 LOT 3113
Legal Subdivision	NEW TOWN AT ST CHARLES #4
Legal Lot Number	3113
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1007
Census Tract	310201

Owner

3483 Wainwright St is owned and occupied by two individuals who bought it in January 2018.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3483 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.

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Nov 4, 2020	Deed of Trust, Mortgage CAPGROW HM MTG
Jan 23, 2018	Warranty Deed, Transfer · FHA Mortgage CAPGROW HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2018 · Amount on File
Deed Sale	Jan 23, 2018 · Amount on File
Prior Sale	Apr 16, 2014 · Amount on File
Deed Document Number	201841270
Deed Book / Page	6870 / 565
Prior Transfer Date	Apr 10, 2014
Prior Transfer Doc	0061751863
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3483 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3483 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255

Mortgage

Document Number	0000056878
Date	Oct 18, 2022
Instrument	2022R-056878

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 8, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3483 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Document Number	0000086888
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3483 WAINWRIGHT ST ST CHARLES MO 633018255, ST CHARLES, MO 63301-8255

Mortgage

Document Number	0000086888
Date	Nov 10, 2020
Instrument	86888

Lender

Name	CAPGROW HM MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 23, 2018
Property Address	3483 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Document Number	0068700565
Book / Page	6870 / 0565
Map Reference	MB 43 PG 372
Instrument Date	Jan 18, 2018
Instrument	20180123000041270
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3320 SILVERTRAIL DR, 3320, SAINT CHARLES, MO 63301-3251

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3483 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255

Mortgage

Document Number	20180123000041280
Date	Jan 23, 2018
Instrument	20180123000041280

Lender

Name	CAPGROW HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3483 Wainwright St was $5,323, up 7.9% 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
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,664 (-)	$429,813 (-) Land $80,000 Building $349,813
2025	$5,323.00 (+7.86%)	$81,664	$429,813 Land $80,000 Building $349,813
2024	$4,935.00
2023		$73,621
2022			$387,479 Land $60,000 Building $327,479

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 3483 Wainwright St in Zone X, an area of minimal 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 minimal risk
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

Wildfire risk around 3483 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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