3540 Sutton Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3540 Sutton Dr, Saint Charles, MO 63301 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,158 sqft · built 2003
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Owner Names on File
Last Sale	$315,000 (Sep 2012)
Tax Bill	$5,944 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T010700116`

Property Details

APN / Parcel Number

Primary APN	`T010700116`
Alternative APN	`6-0015-8634-00-0455.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,158 sqft Living Area
1st Floor Area	2,334 sqft
Basement Area	1,824 sqft

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	9,583 sqft (0.219 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	138 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T010700116
Old Parcel Number	T010700116
Street Address	3540 SUTTON DR
City	SAINT CHARLES
State	MO
Zip	63301-4086
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVINGTON #3 LOT 455
Legal Subdivision	COVINGTON #3
Legal Lot Number	455
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1001
Census Tract	310801

Owner

Source: St. Charles County records · APN T010700116

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of Record	2 Owner Names on File
Mailing Address	3540 SUTTON DR, SAINT CHARLES, MO 63301-4086
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2012 · Amount on Record
Deed Sale	Sep 20, 2012 · Amount on Record
Prior Sale	Apr 14, 2004
Deed Document Number	0005859873
Deed Book / Page	5859 / 873
Record Updated	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3540 SUTTON DR, SAINT CHARLES, MO 63301-4086
Document Number	0000005742
Instrument Date	Jan 11, 2021
Transaction Type	Mortgage
Record Updated	Mar 31, 2021
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3540 SUTTON DR ST CHARLES MO 633014086, ST CHARLES, MO 63301-4086

Mortgage

Document Number	0000005742
Date	Jan 20, 2021
Instrument	5742

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 19, 2036

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,944.00	$95,235 (+7.81%)	$501,236 (+7.81%) Land $80,000 Building $421,236
2023		$88,337
2022			$464,932 Land $55,000 Building $409,932

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.