3486 Woolen Mill St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3486 Woolen Mill St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,824 sqft · built 2006
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Sep 2018)
Tax Bill	$4,631 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T070500935`

Property Details

APN / Parcel Number

Primary APN	`T070500935`
Alternative APN	`5-116B-A253-00-2227.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	912 sqft
Basement Area	912 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	189 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500935
Street Address	3486 WOOLEN MILL ST
City	SAINT CHARLES
State	MO
Zip	63301-8171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHARLES #6 LOT 2227
Legal Subdivision	NEW TOWN AT ST CHARLES #6
Legal Lot Number	2227
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3003
Census Tract	310201

Owner

3486 Woolen Mill St is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3486 WOOLEN MILL ST, SAINT CHARLES, MO 63301-8171
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 31, 2019	Deed of Trust, Mortgage · FHA Mortgage GERSHMAN INVESTMENT CORP
Sep 28, 2018	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018 · Amount on File
Deed Sale	Sep 28, 2018 · Amount on File
Prior Sale	Mar 13, 2007 · Amount on File
Deed Document Number	2018558470
Deed Book / Page	6983 / 1922
Prior Transfer Date	Dec 29, 2011
Prior Transfer Doc	0056991833
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3486 WOOLEN MILL ST, SAINT CHARLES, MO 63301-8171
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071722210
Date	Oct 31, 2019
Book Page	7172/2210
Instrument	20191031000615960

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 28, 2018
Property Address	3486 WOOLEN MILL ST, SAINT CHARLES, MO 63301-8171
Document Number	0069831922
Book / Page	6983 / 1922
Map Reference	MB 44 PG 104
Instrument Date	Sep 26, 2018
Instrument	20180928000558470
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 S PENN AVEC, 204, PRESCOTT, AZ 86303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3486 WOOLEN MILL ST, SAINT CHARLES, MO 63301-8171
Investor	Possibly a Property Investor

Mortgage

Document Number	20180928000558480
Date	Sep 28, 2018
Instrument	20180928000558480

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3486 Woolen Mill St was $4,631, up 5.8% 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		$70,982 (-)	$373,592 (-) Land $96,000 Building $277,592
2025	$4,631.00 (+5.78%)	$70,982	$373,592 Land $96,000 Building $277,592
2024	$4,378.00
2023		$65,258
2022			$343,462 Land $72,000 Building $271,462

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 3486 Woolen Mill 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 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.

Wildfire

The area around 3486 Woolen Mill St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 564 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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