3498 Wainwright St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3498 Wainwright St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,224 sqft · built 2013
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,100 (Jun 2020)
Tax Bill	$3,138 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T120500044`

Property Details

APN / Parcel Number

Primary APN	`T120500044`
Alternative APN	`5-116C-A844-00-3423.B000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,224 sqft Living Area
Gross Area	1,836 sqft
1st Floor Area	612 sqft
Basement Area	612 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	3,485 sqft (0.08 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T120500044
Street Address	3498 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.B
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 August 13, 2025

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 Record
Mailing Address	3498 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Jul 22, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020 · Amount on Record
Deed Sale	Jun 17, 2020 · Amount on Record
Prior Sale	Aug 12, 2013 · Amount on Record
Deed Document Number	2020412580
Deed Book / Page	7323 / 122
Prior Transfer Date	Jun 12, 2020
Prior Transfer Doc	0073230122
Record Updated	Jun 8, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jun 17, 2020
Property Address	3498 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254
Document Number	0073230122
Book / Page	7323 / 122
Map Reference	MB 46 PG 353
Instrument Date	Jun 12, 2020
Instrument	20200617000412580
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3498 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254

Mortgage

Document Number	20200617000412590
Date	Jun 17, 2020
Instrument	20200617000412590

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3498 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8254
Document Number	0071112393
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3498 WAINWRIGHT ST ST CHARLES MO 633018254, ST CHARLES, MO 63301-8254

Mortgage

Document Number	0071112393
Date	Jul 26, 2019
Book Page	007111/002393
Instrument	384600

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 25, 2034

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$3,138.00 (-0.06%)	$47,947 (+2.75%)	$252,354 (+2.75%) Land $60,000 Building $192,354
2024	$3,140.00
2023		$46,664
2022			$245,602 Land $45,000 Building $200,602

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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