3516 Wainwright St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3516 Wainwright St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,032 sqft · built 2013
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Sep 2021)
Tax Bill	$4,509 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T070500830`

Property Details

APN / Parcel Number

Primary APN	`T070500830`
Alternative APN	`5-116C-A177-00-3524.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Gross Area	3,248 sqft
1st Floor Area	1,216 sqft
Basement Area	816 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500830
Street Address	3516 WAINWRIGHT ST
City	SAINT CHARLES
State	MO
Zip	63301-8256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHARLES #4 LOT 3524
Legal Subdivision	NEW TOWN AT ST CHARLES #4
Legal Lot Number	3524
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1020
Census Tract	310201

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	3516 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2020	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FNDG
Jun 28, 2018	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on Record
Deed Sale	Sep 10, 2021 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	202175939
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3516 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8256
Document Number	0000091011
Instrument Date	Oct 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3516 WAINWRIGHT ST ST CHARLES MO 633018256, ST CHARLES, MO 63301-8256

Mortgage

Document Number	0000091011
Date	Nov 23, 2020
Instrument	91011

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 28, 2018
Property Address	3516 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8256
Document Number	0069410213
Book / Page	6941 / 0213
Map Reference	MB 43 PG 372
Instrument Date	Jun 28, 2018
Instrument	20180628000363780
Transaction Type	Transfer
Record Updated	Sep 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	547 WILSON LAKE LN, 547, HOT SPRINGS, AR 71901-9211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3516 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8256

Mortgage

Document Number	0069410215
Date	Jun 28, 2018
Book Page	6941/0215
Instrument	20180628000363790

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$69,098 (-)	$363,676 (-) Land $72,000 Building $291,676
2025	$4,509.00 (-0.92%)	$69,098 (+1.84%)	$363,676 (+1.84%) Land $72,000 Building $291,676
2024	$4,551.00
2023		$67,850
2022			$357,105 Land $54,000 Building $303,105

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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