St. Charles County property record for 3492 Wainwright St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,632 sqft · built 2012 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $263,700 (Aug 2017) |
| Tax Bill | $4,517 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit Oct 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T120500041 |
| Primary APN | T120500041 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,632 sqft Living Area |
| Gross Area | 3,248 sqft |
| 1st Floor Area | 1,216 sqft |
| Basement Area | 816 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 216 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T120500041 |
|---|---|
| Street Address | 3492 WAINWRIGHT ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #4A LOT 3422.A |
| Legal Subdivision | NEW TOWN AT ST CHAS #4A |
| Legal Lot Number | 3422 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 310201 |
Source: St. Charles County records · APN T120500041
Assessment roll updated August 13, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3492 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 09, 2019 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Oct 08, 2020 | Deed of Trust, Mortgage · Line of Credit WEST CMNTY CU |
| Sep 11, 2020 | Deed of Trust, Mortgage WEST CMNTY CU |
| Aug 02, 2017 | Warranty Deed, Transfer · FHA Mortgage STIFEL BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 02, 2017 · Amount on Record |
| Deed Sale | Aug 02, 2017 · Amount on Record |
| Prior Sale | Oct 03, 2012 · Amount on Record |
| Deed Document Number | 2017482980 |
| Deed Book / Page | 6785 / 724 |
| Last Transfer Date | Jan 02, 2020 |
| Transfer Doc | 0072100658 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3492 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0071950661 |
|---|---|
| Date | Dec 09, 2019 |
| Book Page | 7195/0661 |
| Instrument | 20191209000703820 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3492 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254 |
| Document Number | 0000082802 |
| Instrument Date | Oct 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3492 WAINWRIGHT ST ST CHARLES MO 633018254, ST CHARLES, MO 63301-8254 |
| Document Number | 0000082802 |
|---|---|
| Date | Oct 29, 2020 |
| Instrument | 82802 |
| Name | WEST CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | O'FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 28, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3492 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254 |
| Document Number | 0000068481 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 02, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3492 WAINWRIGHT ST ST CHARLES MO 633018254, ST CHARLES, MO 63301-8254 |
| Document Number | 0000068481 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 68481 |
| Name | WEST CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | O'FALLON, MO 63368 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 02, 2017 |
| Property Address | 3492 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254 |
| Document Number | 0067850724 |
| Book / Page | 006785 / 000724 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 482980 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2017 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3492 WAINWRIGHT ST ST CHARLES MO 633018254, ST CHARLES, MO 63301-8254 |
| Document Number | 67850727 |
|---|---|
| Date | Aug 02, 2017 |
| Book Page | 006785/000727 |
| Instrument | 482990 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2047 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,517.00 (-1.7%) | $69,234 (+1.06%) | $364,389 (+1.06%) Land $60,000 Building $304,389 |
| 2024 | $4,595.00 | ||
| 2023 | $68,510 | ||
| 2022 | $360,581 Land $45,000 Building $315,581 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Flood Insurance Cost | Premium on Record 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA, Verizon.
Based on FCC filings for 688 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES PWS serves 78,961 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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