St. Charles County property record for 3523 Wainwright St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,730 sqft · built 2012 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $302,173 (May 2013) |
| Tax Bill | $6,355 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | T070500783 |
| Primary APN | T070500783 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,730 sqft Living Area |
| Gross Area | 4,095 sqft |
| 1st Floor Area | 1,365 sqft |
| Basement Area | 1,365 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 7,405 sqft (0.17 acres) |
| Parking Spaces | 3 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070500783 |
|---|---|
| Street Address | 3523 WAINWRIGHT ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8257 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHARLES #4 LOT 3103 |
| Legal Subdivision | NEW TOWN AT ST CHARLES #4 |
| Legal Lot Number | 3103 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 310201 |
3523 Wainwright St is owned and occupied by two individuals who bought it in May 2013.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3523 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8257 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2013 · Amount on File |
| Deed Sale | May 14, 2013 · Amount on File |
| Deed Document Number | 2013378520 |
| Deed Book / Page | 6016 / 1274 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3523 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8257 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3523 WAINWRIGHT ST, SAINT CHARLES, MO 63301-8257 |
| Document Number | 0000000961 |
|---|---|
| Date | Jan 8, 2024 |
| Instrument | 2024R-000961 |
| Name | VANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | SAINT CHARLES, MO 63304 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 15, 2029 |
The 2025 property tax bill for 3523 Wainwright St was $6,355.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $97,594 (-) | $513,652 (-) Land $80,000 Building $433,652 | |
| 2025 | $6,355.00 | $97,594 | $513,652 Land $80,000 Building $433,652 |
| 2023 | $88,847 | ||
| 2022 | $467,616 Land $60,000 Building $407,616 |
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.
FEMA maps place 3523 Wainwright St in Zone X, an area of moderate 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 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 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 risk around 3523 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.
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 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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