3474 Sublette St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3474 Sublette St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,032 sqft · built 2020
Lot Size	0.135 acres (5,876 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Oct 2024)
Tax Bill	$5,023 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T180500366`

Property Details

APN / Parcel Number

Primary APN	`T180500366`
Alternative APN	`5-116B-C570-00-2516.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Gross Area	2,848 sqft
1st Floor Area	1,216 sqft
Basement Area	816 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	5,876 sqft (0.135 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180500366
Street Address	3474 SUBLETTE ST
City	SAINT CHARLES
State	MO
Zip	63301-7418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #6-O LOT 2516
Legal Subdivision	NEW TOWN AT ST CHAS #6-O
Legal Lot Number	2516
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3000
Census Tract	310201

Owner

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

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	2 Individual Names on File
Mailing Address	3474 SUBLETTE ST, SAINT CHARLES, MO 63301-7418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK OF ST LOUIS
May 26, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage US WIDE FINANCIAL LLC
Nov 30, 2018	Grant Deed, Construction Loan · Construction Mortgage TRIAD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2024 · Amount on File
Deed Sale	Oct 15, 2024 · Amount on File
Prior Sale	May 26, 2021 · Amount on File
Deed Document Number	202442379
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3474 SUBLETTE ST, SAINT CHARLES, MO 63301-7418
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3333 RUE ROYALE ST 4, 4, SAINT CHARLES, MO 63301-8237

Mortgage

Document Number	0000010750
Date	Feb 4, 2021
Instrument	2021R-010750

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 26, 2021
Property Address	3474 SUBLETTE ST, SAINT CHARLES, MO 63301-7418
Document Number	0000045594
Map Reference	MB 49 PG 303
Instrument Date	May 26, 2021
Instrument	2021R-045594
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022
Title Company	CONTINENTAL, 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	3474 SUBLETTE ST, SAINT CHARLES, MO 63301-7418

Mortgage

Document Number	0000045595
Date	May 26, 2021
Instrument	2021R-045595

Lender

Name	US WIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

November 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2018
Property Address	3474 SUBLETTE ST, SAINT CHARLES, MO 63301-7418
Document Number	0070081901
Book / Page	007008 / 001901
Instrument Date	Nov 30, 2018
Instrument	671270
Transaction Type	Construction Loan
Record Updated	Dec 18, 2018

Transaction

Tax	$0.00
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	70081901
Date	Nov 30, 2018
Book Page	007008/001901
Instrument	671270

Lender

Name	TRIAD BK
Type	Bank
Address	10375 CLAYTON RD, ST LOUIS, MO 63131-2907

Agreement

Type	Construction Mortgage
Amount	Amount on Record

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		$77,044 (-)	$405,497 (-) Land $80,000 Building $325,497
2025	$5,023.00	$77,044 (+9.99%)	$405,497 (+9.99%) Land $80,000 Building $325,497
2023		$70,047
2022			$368,672 Land $60,000 Building $308,672

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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