3417 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3417 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,392 sqft · built 2017
Lot Size	0.058 acres (2,522 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Nov 2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Sale + 3 more
Flood Zone	Zone X (moderate risk)
APN	`T160500129`

Property Details

APN / Parcel Number

Primary APN	`T160500129`
Alternative APN	`5-116B-C204-00-2654.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 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 2017
Effective Year Built	Effective 2017
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	T160500129
Street Address	3417 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 2654
Legal Subdivision	NEW TOWN AT ST CHAS #6-K
Legal Lot Number	2654
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 September 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Oct 11, 2023	Beneficiary Deed, Transfer
Feb 17, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 14, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage REGIONS BANK
Feb 22, 2018	Deed of Trust, Mortgage KELLY VETTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Feb 17, 2021 · Amount on Record
Deed Document Number	202552203
Prior Transfer Date	Oct 10, 2023
Prior Transfer Doc	0000041912
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 19, 2025
Property Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0000052203
Map Reference	MB 48 PG 94
Instrument Date	Nov 13, 2025
Instrument	2025R-052203
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4626 PARROT CT, SAINT LOUIS, MO 63128-3934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250

Mortgage

Document Number	0000052204
Date	Nov 19, 2025
Instrument	2025R-052204

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 11, 2023
Property Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0000041912
Map Reference	MB 48 PG 94
Instrument Date	Oct 10, 2023
Instrument	2023R-041912
Transaction Type	Transfer
Record Updated	Oct 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 17, 2021
Property Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	2021R014047
Map Reference	MB 48 PG 94
Instrument Date	Feb 12, 2021
Instrument	2021R-014047
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3417 SUBLETTE ST, 3417, SAINT CHARLES, MO 63301-8250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250

Mortgage

Document Number	2021R014048
Date	Feb 17, 2021
Instrument	2021R-014048

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 14, 2018
Property Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0069332351
Book / Page	6933 / 2351
Map Reference	MB 48 PG 94
Instrument Date	Jun 12, 2018
Instrument	20180614000332130
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	3333 RUE ROYALE ST STE 4, 3333, SAINT CHARLES, MO 63301-8237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250

Mortgage

Document Number	20180614000332140
Date	Jun 14, 2018
Instrument	20180614000332140

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3417 SUBLETTE ST, SAINT CHARLES, MO 63301-8250
Document Number	0068821359
Instrument Date	Feb 22, 2018
Transaction Type	Mortgage
Record Updated	Mar 1, 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	0068821359
Date	Feb 23, 2018
Book Page	006882/001359
Instrument	96910

Lender

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

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$62,298 (-)	$327,886 (-) Land $80,000 Building $247,886
2025	$62,298 (+11%)	$327,886 (+11%) Land $80,000 Building $247,886
2023	$56,126
2022		$295,402 Land $60,000 Building $235,402

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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