3495 Wainwright St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3495 Wainwright St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 4,106 sqft · built 2007
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$417,500 (Jul 2019)
Tax Bill	$7,714 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070500790`

Property Details

APN / Parcel Number

Primary APN	`T070500790`
Alternative APN	`5-116C-A177-00-3110.0000000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,106 sqft Living Area
Gross Area	6,280 sqft
1st Floor Area	2,350 sqft
Basement Area	2,350 sqft
Finished Basement	776 sqft
Unfinished Basement	1,574 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	280 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	T070500790
Street Address	3495 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 3110
Legal Subdivision	NEW TOWN AT ST CHARLES #4
Legal Lot Number	3110
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1007
Census Tract	310201

Owner

3495 Wainwright St is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3495 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
Mar 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Sep 11, 2020	Deed of Trust, Mortgage DELMAR FIN'L
Jul 8, 2019	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2019 · Amount on File
Deed Sale	Jul 8, 2019 · Amount on File
Prior Sale	Nov 17, 2009 · Amount on File
Deed Document Number	2019344010
Deed Book / Page	7102 / 255
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3495 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072440560
Date	Mar 6, 2020
Book Page	7244/560
Instrument	20200306000140680

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3495 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Document Number	0000069614
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Nov 5, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3495 AINWRIGHT ST ST CHARLES MO 63301, ST CHARLES, MO 63301

Mortgage

Document Number	0000069614
Date	Sep 21, 2020
Instrument	69614

Lender

Name	DELMAR FIN'L
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 8, 2019
Property Address	3495 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255
Document Number	0071020255
Book / Page	7102 / 0255
Map Reference	MB 43 PG 372
Instrument Date	Jul 2, 2019
Instrument	20190708000344010
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3677 SWEETWATER CROSSING PL, 3677, SAINT CHARLES, MO 63301-4902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3495 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8255

Mortgage

Document Number	20190708000344020
Date	Jul 8, 2019
Instrument	20190708000344020

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3495 Wainwright St was $7,714.

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		$118,562 (-)	$624,010 (-) Land $80,000 Building $544,010
2025	$7,714.00	$118,562	$624,010 Land $80,000 Building $544,010
2023		$106,897
2022			$562,614 Land $60,000 Building $502,614

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 3495 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 3495 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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