3401 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3401 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,696 sqft · built 2015
Lot Size	0.078 acres (3,398 sqft)
Owner	Individual Name on File
Last Sale	$247,999 (Jun 2019)
Tax Bill	$4,128 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`T160500125`

Property Details

APN / Parcel Number

Primary APN	`T160500125`
Alternative APN	`5-116B-C204-00-2650.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
Basement Area	648 sqft

Exterior

Year Built	Built 2015
Exterior Material	Siding
Lot Area	3,398 sqft (0.078 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160500125
Street Address	3401 SUBLETTE ST
City	SAINT CHARLES
State	MO
Zip	63301-8250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #6-K LOT 2650
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #6-K
Legal Lot Number	2650
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3010
Census Tract	310201

Owner

3401 Sublette St is owned and occupied by an individual who bought it in June 2019.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Mailing Address	3401 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MTG
Jun 5, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MTG
Nov 7, 2017	Deed of Trust, Mortgage PRIVATE INDIVIDUAL
Nov 7, 2017	Deed of Trust, Mortgage PRIVATE INDIVIDUAL
Nov 7, 2017	Deed of Trust, Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2019 · Amount on File
Deed Sale	Jun 5, 2019 · Amount on File
Prior Sale	Sep 29, 2015
Deed Document Number	0070842143
Deed Book / Page	7084 / 2143
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3401 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0000066290
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 SUBLETTE ST ST CHARLES MO 633018250, ST CHARLES, MO 63301-8250

Mortgage

Document Number	0000066290
Date	Sep 9, 2020
Instrument	66290

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 5, 2019
Property Address	3401 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0070842143
Book / Page	007084 / 002143
Instrument Date	Jun 3, 2019
Instrument	273290
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 SUBLETTE ST ST CHARLES MO 633018250, ST CHARLES, MO 63301-8250

Mortgage

Document Number	70842145
Date	Jun 5, 2019
Book Page	007084/002145
Instrument	273300

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3401 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0068480973
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3401 SUBLETTE ST ST CHARLES MO 633018250, ST CHARLES, MO 63301-8250

Mortgage

Document Number	0068480973
Date	Dec 5, 2017
Book Page	006848/000973
Instrument	751600

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	SAINT LOUIS, MO 63106

Agreement

Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3401 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0068410761
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3525 HEMPSTEAD ST ST CHARLES MO 633018099, ST CHARLES, MO 63301-8099

Mortgage

Document Number	0068410761
Date	Nov 20, 2017
Book Page	006841/000761
Instrument	722130

Lender

Name	PRIVATE INDIVIDUAL
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63106

Agreement

Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3401 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0068531683
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3401 SUBLETTE ST ST CHARLES MO 633018250, ST CHARLES, MO 63301-8250

Mortgage

Document Number	0068531683
Date	Dec 15, 2017
Book Page	006853/001683
Instrument	775590

Lender

Name	PRIVATE INDIVIDUAL
Type	Mortgage Company
Address	SAINT LOUIS, MO 63106

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3401 Sublette St was $4,128.

Source: St. Charles County assessment roll, as of July 1, 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	$4,128.00	$63,231	$332,797 Land $80,000 Building $252,797
2023		$60,305
2022			$317,395 Land $60,000 Building $257,395

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

FEMA maps place 3401 Sublette St in Zone X, an area of moderate flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force

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

Wildfire risk around 3401 Sublette 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 99.1% of the US · lower than 98.2% 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 564 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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