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1043 E Terra Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 1043 E Terra Ln, O Fallon, MO 63366 · Last verified August 2026

Property Summary

Property TypeCondominium
Details1,550 sqft · built 1985
Lot Size0.036 acres (1,576 sqft)
OwnerCompany Name on File
Last Sale$572,500 (Nov 2022)
Tax Bill$3,461 (2025)
Deeds & MortgagesNov 2022 Mortgage
Mar 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNA860003587

Property Details

APN / Parcel Number

Primary APNA860003587
Alternative APN
  • 2-056B-5975-00-0001.0000000

Interior

Stories1 Story
Building Area1,550 sqft Living Area
1st Floor Area1,550 sqft

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleCondo/Apartment
Exterior MaterialBrick
Roof MaterialAsphalt
Lot Area1,576 sqft (0.036 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Account NumberA860003587
Street Address1043 E TERRA LN
CityO FALLON
StateMO
Zip63366-2750
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionFRUEND COMMERCIAL CONDO UNIT 1
Legal SubdivisionFRUEND COMM CONDO
Legal Lot Number1
JurisdictionST CHARLES MO
Township / Civil DivisionO'FALLON
Census Block Group1
Census Block1008
Census Tract311602

Owner

Source: St. Charles County records · APN A860003587

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address6028 NEW TOWN DR, SAINT CHARLES, MO 63301-8447
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Nov 14, 2022Deed of Trust, Mortgage · Commercial Mortgage
ADVANTAGE BANK
Mar 29, 2019Special Warranty Deed, Transfer · Commercial Mortgage
US BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 14, 2022 · Amount on Record
Deed SaleNov 14, 2022 · Amount on Record
Prior SaleJun 30, 2022 · Amount on Record
Deed Document Number202261239
Record UpdatedSep 20, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address1043 E TERRA LN, O FALLON, MO 63366-2750
Transaction TypeMortgage
Record UpdatedNov 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3025 MATTESON BLVD, O FALLON, MO 63366-1183

Mortgage

Document Number0000061238
DateNov 14, 2022
Instrument2022R-061238
Lender
NameADVANTAGE BANK
TypeBank
AddressSAINT PETERS, MO 63376
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

March 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST CHARLES MO
Recording DateMar 29, 2019
Property Address1043 E TERRA LN, O FALLON, MO 63366-2750
Document Number0070521248
Book / Page7052 / 1248
Map ReferenceMB 25 PG 47
Instrument DateMar 28, 2019
Instrument20190329000139370
Transaction TypeTransfer
Record UpdatedAug 09, 2021
Title CompanyUS TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount from Assessment
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address242 CORNWALL DR, 242, WELDON SPRING, MO 63304-5714

Transferred To (Grantee/Buyer)

NameVerified Name
Address1128 WATER VIEW LN, O FALLON, MO 63366-1476

Mortgage

Document Number20190329000139380
DateMar 29, 2019
Instrument20190329000139380
Lender
NameUS BANK NA
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$50,261 (-)$157,067 (-) Building $157,067
2025$3,461.00$50,261 (-)$157,067 (-)
2023$50,261
2022$157,067 Building $157,067

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833116021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims23 (1981–2022)
Claims Outside the SFHA2 of 23
Most Recent ClaimJul 2022, river or lake flooding, Severe Storms And Flooding
Claims By Storm
  • Severe Storms And Flooding, Jul 2022 · 2 claims
  • Severe Storms, Flooding, And A Tornado, Sep 2008 · 3 claims
  • Severe Storms & Flooding, Aug 1993 · 8 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 144 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: WH i3B Bidco LLC/WH i3B Topco, Verizon, Gateway Fiber Holdings, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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