105 Cloverleaf Meadows Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 105 Cloverleaf Meadows Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,991 sqft · built 2003
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Company Names on Record
Last Sale	$550,000 (Jan 2020)
Tax Bill	$8,008 (2025)
Deeds & Mortgages	May 2021 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T042400044`

Property Details

APN / Parcel Number

Primary APN	`T042400044`
Alternative APN	`2-0067-9174-00-0130.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,991 sqft Living Area
1st Floor Area	2,527 sqft
Basement Area	2,527 sqft
Finished Basement	1,263 sqft
Fireplaces	2 Fireplaces
Fireplace	Single

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T042400044
Old Parcel Number	T042400044
Street Address	105 CLOVERLEAF MEADOWS CT
City	O FALLON
State	MO
Zip	63366-4190
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AMBER MEADOWS #1 LOT 130
Legal Range	03E
Legal Township	46N
Legal Subdivision	AMBER MEADOWS #1
Legal Lot Number	130
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1004
Census Tract	311737

Owner

Source: St. Charles County records, as of March 16, 2026

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

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	105 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
May 1, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES
Jan 10, 2020	Warranty Deed, Transfer FIRST ST BK/ST CHARLES
Dec 6, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 10, 2020 · Amount on Record
Deed Sale	Jan 10, 2020 · Amount on Record
Prior Sale	Jan 10, 2020
Deed Document Number	0072141107
Deed Book / Page	007214 / 001107
Last Transfer Date	Oct 28, 2024
Transfer Doc	0000044708
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	105 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190

Mortgage

Document Number	2021R041315
Date	May 12, 2021
Instrument	2021R-041315

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	105 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190
Document Number	0072900257
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	FREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 CLOVERLEAF MEADOWS CT O FALLON MO 633664190, O FALLON, MO 63366-4190

Mortgage

Document Number	0072900257
Date	May 8, 2020
Book Page	007290/000257
Instrument	295590

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 10, 2020
Property Address	105 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190
Document Number	0072141107
Book / Page	007214 / 001107
Instrument Date	Jan 9, 2020
Instrument	20570
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

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
Relationship	Husband and Wife
Address	105 CLOVERLEAF MEADOWS CT O FALLON MO 633664190, O FALLON, MO 63366-4190

Mortgage

Document Number	72141109
Date	Jan 10, 2020
Book Page	007214/001109
Instrument	20580

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

Mortgage

Document Number	72141126,
Date	Jan 10, 2020
Book Page	007214/001126
Instrument	20590

Lender

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

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 9, 2030

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	105 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190
Document Number	0070221875
Instrument Date	Dec 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 23, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CLOVERLEAF MEADOWS CT O FALLON MO 633664190, O FALLON, MO 63366-4190

Mortgage

Document Number	0070221875
Date	Jan 7, 2019
Book Page	007022/001875
Instrument	7390

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,008.00	$125,320 (+5.55%)	$659,576 (+5.55%) Land $100,000 Building $559,576
2023		$118,726
2022			$624,872 Land $70,000 Building $554,872

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	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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