3414 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3414 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,392 sqft · built 2018
Lot Size	0.058 acres (2,522 sqft)
Owner	Company Name on File
Last Sale	$290,000 (Dec 2021)
Tax Bill	$4,069 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2021 Sale + 4 more
Flood Zone	Zone X (moderate risk)
APN	`T160500120`

Property Details

APN / Parcel Number

Primary APN	`T160500120`
Alternative APN	`5-116B-C204-00-2454.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Gross Area	2,208 sqft
1st Floor Area	816 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	2,522 sqft (0.058 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160500120
Street Address	3414 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 2454
Legal Subdivision	NEW TOWN AT ST CHAS #6-K
Legal Lot Number	2454
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3011
Census Tract	310201

Owner

3414 Sublette St is owned by a company that bought it in December 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Company Name on File
Mailing Address	600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner Type	Company
Vesting	Limited Partnership

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
Jun 30, 2022	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Dec 10, 2021	Warranty Deed, Transfer
Nov 4, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Nov 27, 2018	Warranty Deed, Subdivision Related Transfer CONTINENTAL, CONTINENTAL TITLE CO
Aug 22, 2018	Deed of Trust, Mortgage · Line of Credit KELLY VETTER
Apr 25, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on File
Deed Sale	Dec 10, 2021 · Amount on File
Prior Sale	Nov 4, 2020 · Amount on File
Deed Document Number	202199958
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3414 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Transaction Type	Mortgage
Record Updated	Jul 13, 2022
Title Company	OS NATIONAL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036427
Date	Jun 30, 2022
Instrument	2022R-036427

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 10, 2021
Property Address	3414 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0000099958
Map Reference	MB 48 PG 94
Instrument Date	Dec 9, 2021
Instrument	2021R-099958
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 4, 2020
Property Address	3414 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0000084933
Instrument Date	Oct 3, 2020
Instrument	84933
Transaction Type	Transfer
Record Updated	Mar 4, 2021
Title Company	OTHER

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
Relationship	Tenants by the Entirety
Address	3414 SUBLETTE ST ST CHARLES MO 633018249, ST CHARLES, MO 63301-8249

Mortgage

Document Number	84934
Date	Nov 4, 2020
Instrument	84934

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2050

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 27, 2018
Property Address	3414 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0070070542
Book / Page	007007 / 000542
Instrument Date	Nov 27, 2018
Instrument	663920
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 19, 2018
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3414 SUBLETTE ST ST CHARLES MO 633018249, ST CHARLES, MO 63301-8249

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3414 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0069701632
Instrument Date	Aug 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3333 RUE ROYALE ST #4 ST CHARLES MO 633018237, 4, ST CHARLES, MO 63301-8237

Mortgage

Document Number	0069701632
Date	Aug 31, 2018
Book Page	006970/001632
Instrument	499320

Lender

Name	KELLY VETTER
Address	271 ASHDOWN FOREST CT, WELDON SPRING, MO 63304-0919

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3414 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0069101806
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 7, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3333 RUE ROYALE ST #4 ST CHARLES MO 633018237, 4, ST CHARLES, MO 63301-8237

Mortgage

Document Number	0069101806
Date	Apr 27, 2018
Book Page	006910/001806
Instrument	229200

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3414 Sublette St was $4,069.

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$62,318 (-)	$327,987 (-) Land $80,000 Building $247,987
2025	$4,069.00	$62,318	$327,987 Land $80,000 Building $247,987
2023		$56,146
2022			$295,507 Land $60,000 Building $235,507

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 3414 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 3414 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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