108 Mill Pond Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 108 Mill Pond Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,188 sqft · built 1975
Lot Size	0.176 acres (7,676 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Oct 2025)
Tax Bill	$2,802 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`355432A043`

Property Details

APN / Parcel Number

Primary APN	`355432A043`
Alternative APN	`2-0060-5078-00-0113.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,188 sqft
Basement Area	1,188 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,676 sqft (0.176 acres)
Lot Dimensions	101 ft deep x 76 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	76 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	355432A043
Street Address	108 MILL POND DR
City	O FALLON
State	MO
Zip	63366-3948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PEBBLE BROOK #2 SEC 3 LOT 113
Legal Subdivision	PEBBLE BROOK #2&3 SEC 3
Legal Lot Number	113
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	2
Census Block	2023
Census Tract	311738

Owner

Source: St. Charles County records, as of September 11, 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 Record
Mailing Address	108 MILL POND DR, O FALLON, MO 63366-3948
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Warranty Deed, Transfer · FHA Mortgage DELMAR FINANCIAL CO
Nov 20, 2019	Deed of Trust, Mortgage · FHA Mortgage FAMILY FINANCE MORTGAGE LLC
Oct 22, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ELECTRO SAVINGS CU
Jul 18, 2022	Beneficiary Deed, Transfer
Nov 5, 2021	Warranty Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	Nov 5, 2021 · Amount on Record
Deed Document Number	202545724
Prior Transfer Date	Apr 6, 2022
Prior Transfer Doc	0000039702
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2025
Property Address	108 MILL POND DR, O FALLON, MO 63366-3948
Document Number	0000045724
Map Reference	MB 19 PG 28
Instrument Date	Oct 9, 2025
Instrument	2025R-045724
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	OLD REPUBLIC TITLE, ORT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 MILL POND DR, O FALLON, MO 63366-3948

Mortgage

Document Number	0000045725
Date	Oct 14, 2025
Instrument	2025R-045725

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	108 MILL POND DR, O FALLON, MO 63366-3948
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000666590
Date	Nov 20, 2019
Book Page	7185/1759
Instrument	20191120000666590

Lender

Name	FAMILY FINANCE MORTGAGE LLC
Type	Mortgage Company
Address	ARNOLD, MO 63010

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	108 MILL POND DR, O FALLON, MO 63366-3948
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 MILL POND DR, O FALLON, MO 63366-3948

Mortgage

Document Number	0000080332
Date	Oct 22, 2020
Instrument	2020R-080332

Lender

Name	ELECTRO SAVINGS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63146

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	131 Months
Due	Sep 8, 2031

July 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 18, 2022
Property Address	108 MILL POND DR, O FALLON, MO 63366-3948
Document Number	0000039702
Map Reference	MB 19 PG 28
Instrument Date	Apr 6, 2022
Instrument	2022R-039702
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	401 KEDRON VALLEY CT, COTTLEVILLE, MO 63304-7635

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 5, 2021
Property Address	108 MILL POND DR, O FALLON, MO 63366-3948
Document Number	0000091768
Map Reference	MB 19 PG 28
Instrument Date	Oct 27, 2021
Instrument	2021R-091768
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 OAK POST RD, 27, WENTZVILLE, MO 63385-5419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 MILL POND DR, O FALLON, MO 63366-3948

Mortgage

Document Number	0000091769
Date	Nov 5, 2021
Instrument	2021R-091769

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$47,221 (-)	$248,534 (-) Building $248,534
2025	$2,802.00 (+4.05%)	$47,221 (+7.02%)	$248,534 (+7.02%) Building $248,534
2024	$2,693.00
2023		$44,123
2022			$232,225 Land $50,000 Building $182,225

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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	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 270 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
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

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