3491 Wainwright St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3491 Wainwright St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 3,697 sqft · built 2007
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Aug 2012)
Tax Bill	$7,262 (2025)
Deeds & Mortgages	May 2020 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070500791`

Property Details

APN / Parcel Number

Primary APN	`T070500791`
Alternative APN	`5-116C-A177-00-3111.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,697 sqft Living Area
Gross Area	5,462 sqft
1st Floor Area	2,667 sqft
Basement Area	2,095 sqft
Finished Basement	1,030 sqft
Unfinished Basement	1,065 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Siding
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	371 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500791
Street Address	3491 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 3111
Legal Subdivision	NEW TOWN AT ST CHARLES #4
Legal Lot Number	3111
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1007
Census Tract	310201

Owner

3491 Wainwright St is owned and occupied by an individual who acquired it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3491 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
May 28, 2020	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Sep 25, 2020	Deed of Trust, Mortgage WELLS FARGO BK
Aug 31, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2012 · Amount on File
Deed Sale	Aug 30, 2012 · Amount on File
Prior Sale	May 20, 2010 · Amount on File
Deed Document Number	2012657370
Deed Book / Page	5845 / 1588
Last Transfer Date	Aug 21, 2018
Transfer Doc	0069702334
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3491 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073060190
Date	May 28, 2020
Book Page	7306/190
Instrument	20200528000350570

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Apr 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3491 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Document Number	0000074860
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3491 WAINWRIGHT ST ST CHARLES MO 633018255, ST CHARLES, MO 63301-8255

Mortgage

Document Number	0000074860
Date	Oct 5, 2020
Instrument	74860

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 4, 2035

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 31, 2018
Property Address	3491 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Document Number	0069702334
Book / Page	006970 / 002334
Instrument Date	Aug 21, 2018
Instrument	500770
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3491 WAINWRIGHT ST ST CHARLES MO 633018255, ST CHARLES, MO 63301-8255

Tax Assessment & Valuation

The 2025 property tax bill for 3491 Wainwright St was $7,262, 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		$111,589 (-)	$587,313 (-) Land $80,000 Building $507,313
2025	$7,262.00 (+7.92%)	$111,589	$587,313 Land $80,000 Building $507,313
2024	$6,729.00
2023		$100,554
2022			$529,232 Land $60,000 Building $469,232

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 3491 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 3491 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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