3426 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3426 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,472 sqft · built 2019
Lot Size	0.064 acres (2,801 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,141 (2025)
Deeds & Mortgages	Apr 2026 Sale Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T160500117`

Property Details

APN / Parcel Number

Primary APN	`T160500117`
Alternative APN	`5-116B-C204-00-2451.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,472 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	2,801 sqft (0.064 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160500117
Street Address	3426 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 2451
Legal Subdivision	NEW TOWN AT ST CHAS #6-K
Legal Lot Number	2451
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 7, 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	3022 PADDLEWHEEL CT, SAINT CHARLES, MO 63303-6052
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Warranty Deed, Transfer CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGENCY
Jul 31, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Aug 1, 2019	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	2 Names on Deed
Last Sale	Apr 29, 2026
Deed Sale	Apr 29, 2026
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	202619814
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 29, 2026
Property Address	3426 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0000019814
Instrument Date	Apr 29, 2026
Instrument	202619814
Transaction Type	Transfer
Record Updated	Aug 12, 2026
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3022 PADDLEWHEEL CT, SAINT CHARLES, MO 63303-6052

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2020
Property Address	3426 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0073591287
Book / Page	7359 / 1287
Map Reference	MB 48 PG 94
Instrument Date	Jul 29, 2020
Instrument	20200731000543010
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	3426 SUBLETTE ST, SAINT CHARLES, MO 63301-8249

Mortgage

Document Number	20200731000543020
Date	Jul 31, 2020
Instrument	20200731000543020

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3426 SUBLETTE ST, SAINT CHARLES, MO 63301-8249
Document Number	0071191986
Instrument Date	Aug 1, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NOT AVAILABLE

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
Investor	Possibly a Property Investor

Mortgage

Document Number	0071191986
Date	Aug 7, 2019
Book Page	007119/001986
Instrument	413570

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3426 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 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		$63,420 (-)	$333,792 (-) Land $80,000 Building $253,792
2025	$4,141.00 (+19.23%)	$63,420 (+22.76%)	$333,792 (+22.76%) Land $80,000 Building $253,792
2024	$3,473.00
2023		$51,663
2022			$271,910 Land $60,000 Building $211,910

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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