108 S Main St, O Fallon, MO 63366 Property Records

St. Charles County property record for 108 S Main St, O Fallon, MO 63366

Property Summary

Property Type	Commercial
Details	9,051 sqft · built 1871
Lot Size	0.27 acres (11,761 sqft)
Owner	Company Name on File
Last Sale	$300,000 (Dec 2002)
Tax Bill	$17,049 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T030300300`

Property Details

APN / Parcel Number

Primary APN	`T030300300`
Alternative APN	`2-056B-9157-00-0002.0000000`

Interior

Stories	2 Stories
Building Area	9,051 sqft Gross Area
1st Floor Area	9,051 sqft

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Lot Area	11,761 sqft (0.27 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T030300300
Street Address	108 S MAIN ST
City	O FALLON
State	MO
Zip	63366-2803
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	OFALLON TOWN CTR LOT 2 & TO30300299
Legal Subdivision	OFALLON TOWN CTR
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1005
Census Tract	311602

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Westhoff Grain and Mercantile Company listed 2025 · 1 contributing resources · NRIS 100011651

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

108 S Main St, a commercial property, is owned by a company that bought it in December 2002.

Source: St. Charles County records, as of August 7, 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	Company Name on File
Mailing Address	136 SAINT MATTHEWS AVE, 300, LOUISVILLE, KY 40207-3193
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Warranty Deed, Transfer · Line of Credit MONTGOMERY BANK NA
Nov 18, 2020	Deed of Trust, Mortgage · Line of Credit COMMERCIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2002 · Amount on File
Deed Sale	Dec 26, 2002 · Amount on File
Prior Sale	Nov 18, 1997 · Amount on File
Deed Document Number	2002132995
Deed Book / Page	3172 / 597
Prior Transfer Date	Nov 1, 1997
Prior Transfer Doc	0000066050
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2023
Property Address	108 S MAIN ST, O FALLON, MO 63366-2803
Document Number	0000030443
Map Reference	MB 39 PG 213
Instrument Date	Jul 31, 2023
Instrument	2023R-030443
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	STATE LOUIS TITLE LLC, ST LOUIS TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2004 S 8TH ST, SAINT LOUIS, MO 63104-4012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 SAINT MATTHEWS AVE STE 300, 300, LOUISVILLE, KY 40207-3193

Mortgage

Document Number	0000030444
Date	Jul 31, 2023
Instrument	2023R-030444

Lender

Name	MONTGOMERY BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	108 S MAIN ST, O FALLON, MO 63366-2803
Document Number	0000005123
Instrument Date	Nov 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	108 S MAIN ST O FALLON MO 633662803, O FALLON, MO 63366-2803

Mortgage

Document Number	0000005123
Date	Jan 19, 2021
Instrument	5123

Lender

Name	COMMERCIAL BK
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 108 S Main St was $17,049, up 3.1% 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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$247,557 (-)	$773,616 (-) Land $52,924 Building $720,692
2025	$17,049.00 (+3.14%)	$247,557	$773,616 Land $52,924 Building $720,692
2024	$16,530.00
2023		$233,670 (+16.77%)
2022	$15,132.00	$200,117	$730,217 (+16.77%) Land $52,924 Building $677,293
2021			$625,361 Land $52,924 Building $572,437

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

Flood

FEMA maps place 108 S Main St in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1981.

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	3 in force
Nearby Flood Claims	23 (1981–2022)
Claims Outside the SFHA	2 of 23
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	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

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

The area around 108 S Main St 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 191 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures