3422 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3422 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,392 sqft · built 2019
Lot Size	0.058 acres (2,522 sqft)
Owner	Individual Name on Record
Last Sale	$256,700 (Nov 2019)
Tax Bill	$4,055 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`T160500118`

Property Details

APN / Parcel Number

Primary APN	`T160500118`
Alternative APN	`5-116B-C204-00-2452.0000000`

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	1,968 sqft
1st Floor Area	816 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	2,522 sqft (0.058 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160500118
Street Address	3422 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 2452
Legal Subdivision	NEW TOWN AT ST CHAS #6-K
Legal Lot Number	2452
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3011
Census Tract	310201

Owner

Source: St. Charles County records, as of August 13, 2025

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
Mailing Address	3422 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Warranty Deed, Subdivision Related Transfer FIRST ST BK/ST CHARLES
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	Nov 26, 2019 · Amount on Record
Deed Sale	Nov 26, 2019 · Amount on Record
Deed Document Number	2019678170
Deed Book / Page	7188 / 1802
Last Transfer Date	Jun 16, 2020
Transfer Doc	0073251390
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 26, 2019
Property Address	3422 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0071881802
Book / Page	007188 / 001802
Instrument Date	Nov 22, 2019
Instrument	678170
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2020
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Amount	Amount Recorded
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
Address	3422 SUBLETTE ST ST CHARLES MO 633018249, ST CHARLES, MO 63301-8249

Mortgage

Document Number	71881804
Date	Nov 26, 2019
Book Page	007188/001804
Instrument	678180

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3422 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 Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$4,055.00 (+7.96%)	$62,090 (+11.05%)	$326,791 (+11.05%) Land $80,000 Building $246,791
2024	$3,756.00
2023		$55,912
2022			$294,272 Land $60,000 Building $234,272

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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