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108 E Elm St, O Fallon, MO 63366 Property Records

St. Charles County property record for 108 E Elm St, O Fallon, MO 63366 · Last verified March 2026

Property Summary

Property TypeCommercial
Details962 sqft · built 1940
Lot Size0.048 acres (2,100 sqft)
OwnerCompany Name on File
Last Sale$60,000 (Jun 2017)
Tax Bill$1,860 (2025)
Deeds & MortgagesFeb 2019 Mortgage
Jun 2017 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APN251670A000

Property Details

APN / Parcel Number

Primary APN251670A000
Alternative APN
  • 2-056B-4475-01-0001.0000000

Interior

Stories1 Story
Building Area962 sqft Total Area
1st Floor Area962 sqft
Basement Area576 sqft

Exterior

Year BuiltBuilt 1940
Exterior MaterialConcrete Block
Lot Area2,100 sqft
Lot Dimensions50 ft deep x 42 ft wide
Garage TypeAttached

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number251670A000
Old Parcel Number251670A000
Street Address108 E ELM ST
CityO FALLON
StateMO
Zip63366-2602
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionW H WILLIAMS ADDN BLK 1 PT N1/2 LOT 1
Legal Range03E
Legal Township47N
Legal SubdivisionWILLIAMS ADDN-OFALLON
Legal Block1
Legal Lot Number1
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group1
Census Block1021
Census Tract311602

Owner

Source: St. Charles County records · APN 251670A000

Assessment roll updated July 1, 2025 · Last verified March 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 Address114 E ELM ST STE 6, 6, O FALLON, MO 63366-2642
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2019Deed of Trust, Mortgage
CARROLLTON BANK
Jun 20, 2017Warranty Deed, Transfer · Line of Credit
CARROLLTON BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 20, 2017 · Amount on Record
Deed SaleJun 20, 2017 · Amount on Record
Prior SaleApr 22, 2003 · Amount on Record
Deed Document Number0067612238
Deed Book / Page6761 / 2238
Record UpdatedJun 08, 2026

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address108 E ELM ST, O FALLON, MO 63366-2602
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyTITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0070382120
DateFeb 22, 2019
Book Page7038/2120
Instrument20190222000080810
Lender
NameCARROLLTON BANK
TypeBank
AddressSAINT CHARLES, MO 63301
Agreement
AmountAmount Recorded
Term60 Months
DueFeb 19, 2024

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJun 20, 2017
Property Address108 E ELM ST, O FALLON, MO 63366-2602
Document Number0067612238
Book / Page6761 / 2238
Instrument DateJun 20, 2017
Instrument20170620000375470
Transaction TypeTransfer
Record UpdatedAug 09, 2021

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
Address5212 VINE AVE, 5212, SAINT LOUIS, MO 63123-3759

Transferred To (Grantee/Buyer)

NameVerified Name
Address8050 WATSON RD STE 169, 169, SAINT LOUIS, MO 63119-5329

Mortgage

Document Number20170620000375480
DateJun 20, 2017
Instrument20170620000375480
Lender
NameCARROLLTON BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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 and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,860.00$27,008 (+3.92%)$84,399 (+3.93%) Land $31,500 Building $52,899
2023$25,988
2022$81,211 Land $31,500 Building $49,711

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 191 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Gateway Fiber HoldingsFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum, Wisper ISP, Brightspeed. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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