3413 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3413 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,392 sqft · built 2016
Lot Size	0.057 acres (2,526 sqft)
Owner	Individual Name on Record
Last Sale	$198,196 (Mar 2017)
Tax Bill	$4,027 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T160500128`

Property Details

APN / Parcel Number

Primary APN	`T160500128`
Alternative APN	`5-116B-C204-00-2653.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Basement Area	576 sqft
Finished Basement	547 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	T160500128
Street Address	3413 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 2653
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #6-K
Legal Lot Number	2653
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3010
Census Tract	310201

Owner

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 Record
Co-owner	Co-owner on Record
Mailing Address	3413 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Dec 5, 2020	Deed of Trust, Mortgage LOW VA RATES LLC
Mar 16, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage ACCESS CAPITAL FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2017 · Amount on Record
Deed Sale	Mar 16, 2017 · Amount on Record
Deed Document Number	0067121795
Deed Book / Page	6712 / 1795
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3413 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Transaction Type	Mortgage
Record Updated	Jan 1, 2024
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3413 SUBLETTE ST, SAINT CHARLES, MO 63301-8250

Mortgage

Document Number	0000050859
Date	Dec 15, 2023
Instrument	2023R-050859

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 30, 2033

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3413 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0000007578
Instrument Date	Dec 5, 2020
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3413 SUBLETTE ST ST CHARLES MO 633018250, ST CHARLES, MO 63301-8250

Mortgage

Document Number	0000007578
Date	Jan 26, 2021
Instrument	7578

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 16, 2017
Property Address	3413 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0067121795
Book / Page	6712 / 1795
Map Reference	MB 48 PG 94
Instrument Date	Mar 16, 2017
Instrument	20170316000157820
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3413 SUBLETTE ST, SAINT CHARLES, MO 63301-8250

Mortgage

Document Number	20170316000157830
Date	Mar 16, 2017
Instrument	20170316000157830

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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	$4,027.00	$61,666 (+10.44%)	$324,560 (+10.44%) Land $80,000 Building $244,560
2023		$55,835
2022			$293,868 Land $60,000 Building $233,868

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

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
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

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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