St. Charles County property record for 3521 Sutton Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,083 sqft · built 2001 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $467,545 (Aug 2024) |
| Tax Bill | $5,266 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T000700086 |
| Primary APN | T000700086 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,083 sqft Living Area |
| Gross Area | 4,885 sqft |
| 1st Floor Area | 1,809 sqft |
| Basement Area | 1,382 sqft |
| Finished Basement | 180 sqft |
| Unfinished Basement | 1,202 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 285 sqft |
| Patio Area | 468 sqft |
| Account Number | T000700086 |
|---|---|
| Street Address | 3521 SUTTON DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4084 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVINGTON #2 LOT 326 |
| Legal Subdivision | COVINGTON #2 |
| Legal Lot Number | 326 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 310801 |
Source: St. Charles County records, as of July 14, 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 | 3521 SUTTON DR, SAINT CHARLES, MO 63301-4084 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2024 · Amount on Record |
| Deed Sale | Aug 22, 2024 · Amount on Record |
| Prior Sale | Apr 22, 2013 · Amount on Record |
| Deed Document Number | 202434256 |
| Prior Transfer Date | Apr 12, 2013 |
| Prior Transfer Doc | 0060020200 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 2, 2026 |
| Property Address | 3521 SUTTON DR, SAINT CHARLES, MO 63301-4084 |
| Document Number | 0000031091 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 202631091 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3521 SUTTON DR, SAINT CHARLES, MO 63301-4084 |
| Document Number | 0000031091, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 202631091 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,266.00 (+7.36%) | $84,320 (+9.99%) | $443,791 (+9.99%) Land $88,000 Building $355,791 |
| 2024 | $4,905.00 | ||
| 2023 | $76,661 | ||
| 2022 | $403,478 Land $60,500 Building $342,978 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1979–1986) |
| Most Recent Claim | Oct 1986 · Severe Storms & Flooding |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband.
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