3418 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3418 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,392 sqft · built 2019
Lot Size	0.057 acres (2,526 sqft)
Owner	Individual Name on File
Last Sale	$214,000 (Apr 2020)
Tax Bill	$3,835 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T160500119`

Property Details

APN / Parcel Number

Primary APN	`T160500119`
Alternative APN	`5-116B-C204-00-2453.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Basement Area	576 sqft

Exterior

Year Built	Built 2019
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	T160500119
Street Address	3418 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 2453
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #6-K
Legal Lot Number	2453
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3011
Census Tract	310201

Owner

3418 Sublette St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3418 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
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
Apr 1, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST COMMUNITY CU
Jan 18, 2019	Deed of Trust, Mortgage · Line of Credit TIMOTHY H WHITTAKER
Apr 25, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2020 · Amount on File
Deed Sale	Apr 1, 2020 · Amount on File
Deed Document Number	0000726194
Deed Book / Page	7261 / 94
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2020
Property Address	3418 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0072610094
Book / Page	7261 / 94
Map Reference	MB 48 PG 94
Instrument Date	Mar 31, 2020
Instrument	20200401000201840
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
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	3418 SUBJETTO STREET, SAINT CHARLES, MO 63301

Mortgage

Document Number	20200401000201850
Date	Apr 1, 2020
Instrument	20200401000201850

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3418 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0070290213
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 6, 2019

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	0070290213
Date	Jan 24, 2019
Book Page	007029/000213
Instrument	37800

Lender

Name	TIMOTHY H WHITTAKER
Address	63 LEINSTER HILL LN, WELDON SPRING, MO 63304-0525

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	3418 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 3418 Sublette St was $3,835.

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	$3,835.00	$58,704	$308,970 Land $80,000 Building $228,970
2023		$45,640
2022			$240,215 Land $60,000 Building $180,215

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 3418 Sublette St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3418 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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