3404 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3404 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 2016
Lot Size	0.057 acres (2,526 sqft)
Owner	Individual Name on File
Last Sale	$174,653 (Jul 2016)
Tax Bill	$3,840 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T160500123`

Property Details

APN / Parcel Number

Primary APN	`T160500123`
Alternative APN	`5-116B-C204-00-2457.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Basement Area	576 sqft

Exterior

Year Built	Built 2016
Exterior Material	Siding
Lot Area	2,526 sqft (0.057 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160500123
Street Address	3404 SUBLETTE ST
City	SAINT CHARLES
State	MO
Zip	63301-8249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #6-K LOT 2457
Legal Subdivision	NEW TOWN AT ST CHAS #6-K
Legal Lot Number	2457
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3011
Census Tract	310201

Owner

3404 Sublette St is owned and occupied by an individual who bought it in July 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3404 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Deed of Trust, Mortgage · FHA Mortgage REGIONS BANK
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2016 · Amount on File
Deed Sale	Jul 1, 2016 · Amount on File
Deed Document Number	0065662279
Deed Book / Page	6566 / 2279
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3404 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 SUBLETTE ST, SAINT CHARLES, MO 63301-8249

Mortgage

Document Number	0000013756
Date	Apr 12, 2023
Instrument	2023R-013756

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3404 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 SUBLETTE ST, SAINT CHARLES, MO 63301-8249

Mortgage

Document Number	2021R077016
Date	Sep 14, 2021
Instrument	2021R-077016

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3404 Sublette St was $3,840.

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	$3,840.00	$58,777	$309,353 Land $80,000 Building $229,353
2023		$55,198
2022			$290,515 Land $60,000 Building $230,515

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 3404 Sublette St in Zone X, an area of minimal 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 minimal risk
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 3404 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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