3496 Wainwright St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3496 Wainwright St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,310 sqft · built 2012
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Tax Bill	$3,829 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T120500043`

Property Details

APN / Parcel Number

Primary APN	`T120500043`
Alternative APN	`5-116C-A844-00-3423.A000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,310 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	1,310 sqft
Basement Area	1,310 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Siding
Lot Area	3,049 sqft (0.07 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T120500043
Street Address	3496 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 3423.A
Legal Subdivision	NEW TOWN AT ST CHAS #4A
Legal Lot Number	3423
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1012
Census Tract	310201

Owner

Source: St. Charles County records, as of October 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3496 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Apr 25, 2017	Warranty Deed, Transfer ANHEUSER BUSCH EMPS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2019
Deed Sale	Apr 17, 2019
Prior Sale	Apr 25, 2017 · Amount on Record
Deed Document Number	2019175370
Deed Book / Page	7060 / 1367
Prior Transfer Date	Jan 31, 2019
Prior Transfer Doc	0000175370
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 24, 2026
Property Address	3496 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254
Document Number	0000045612
Instrument Date	Sep 16, 2026
Instrument	202645612
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3496 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254

Mortgage

Document Number	0000045612,
Date	Sep 24, 2026
Instrument	202645612

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 21, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 25, 2017
Property Address	3496 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254
Document Number	0067330264
Book / Page	006733 / 000264
Instrument Date	Apr 20, 2017
Instrument	248950
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	HORIZON SETTLEMENT COMPANY LLC, NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3496 WAINWRIGHT ST ST CHARLES MO 633018254, ST CHARLES, MO 63301-8254

Mortgage

Document Number	67330266
Date	Apr 25, 2017
Book Page	006733/000266
Instrument	248960

Lender

Name	ANHEUSER BUSCH EMPS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 24, 2032

Tax Assessment & Valuation

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		$58,611 (-)	$308,477 (-) Land $60,000 Building $248,477
2025	$3,829.00 (+0.68%)	$58,611 (+5.01%)	$308,477 (+5.01%) Land $60,000 Building $248,477
2023		$55,816 (+26.44%)
2022	$3,803.00	$44,143	$293,768 (+26.44%) Land $45,000 Building $248,768
2021			$232,331 Land $45,000 Building $187,331

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

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
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

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

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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