1040 Franko Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1040 Franko Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,988 sqft · built 1997
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$106,900 (Jul 2019)
Tax Bill	$4,221 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A974000020`

Property Details

APN / Parcel Number

Primary APN	`A974000020`
Alternative APN	`4-0053-7461-00-0050.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,988 sqft Living Area
Gross Area	3,344 sqft
1st Floor Area	1,032 sqft
Basement Area	956 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A974000020
Street Address	1040 FRANKO DR
City	O FALLON
State	MO
Zip	63366-3484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE0
Legal Description	BRYAN VALLEY #2 LOT 50
Legal Subdivision	BRYAN VALLEY #2
Legal Lot Number	50
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3000
Census Tract	311907

Owner

1040 Franko Dr is owned by a company that bought it in July 2019.

Source: St. Charles County records, as of October 7, 2026

Owner of Record	Company Name on File
Mailing Address	20 MID RIVERS TRADE CT, SAINT PETERS, MO 63376-3989
Owner Type	Company

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
Nov 30, 2020	Deed of Trust, Mortgage 231 ST ANDREWS LLC
Jul 3, 2019	Quit Claim Deed, Transfer · Line of Credit AMERICAN BANK OF MISSOURI
Jan 9, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Prior Sale	Apr 13, 2016 · Amount on File
Deed Document Number	2019334960
Deed Book / Page	7099 / 2428
Prior Transfer Date	Jun 21, 2019
Prior Transfer Doc	0070992428
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1040 FRANKO DR, O FALLON, MO 63366-3484
Document Number	0000098576
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 MID RIVERS TRADE CT #200 ST PETERS MO 633763990, 200, ST PETERS, MO 63376-3990

Mortgage

Document Number	0000098576
Date	Dec 15, 2020
Instrument	98576

Lender

Name	231 ST ANDREWS LLC
Address	734 THUNDER HILL DR, O FALLON, MO 63368-4096

Agreement

Amount	Amount on Record

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 3, 2019
Property Address	1040 FRANKO DR, O FALLON, MO 63366-3484
Document Number	0070992428
Book / Page	7099 / 2428
Map Reference	MB 33 PG 105&106
Instrument Date	Jun 21, 2019
Instrument	20190703000334960
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 MID RIVERS TRADE CT, 20, SAINT PETERS, MO 63376-3989

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MID RIVERS TRADE CT, SAINT PETERS, MO 63376-3989

Mortgage

Document Number	20190703000334970
Date	Jul 3, 2019
Instrument	20190703000334970

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 9, 2019
Property Address	1040 FRANKO DR, O FALLON, MO 63366-3484
Document Number	0070232304
Book / Page	007023 / 002304
Instrument Date	Dec 27, 2018
Instrument	13200
Transaction Type	Transfer
Record Updated	Jan 24, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 MID RIVERS TRADE CT #210 ST PETERS MO 633763990, 210, ST PETERS, MO 63376-3990

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Franko Dr was $4,221, up 9.2% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,765 (-)	$325,078 (-) Land $66,000 Building $259,078
2025	$4,221.00 (+9.18%)	$61,765	$325,078 Land $66,000 Building $259,078
2024	$3,866.00
2023		$54,919
2022			$289,049 Land $49,500 Building $239,549

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

Flood

FEMA maps place 1040 Franko Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1040 Franko Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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