109 Morningside Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 109 Morningside Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,132 sqft · built 1964
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jun 2026)
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`212220A000`

Property Details

APN / Parcel Number

Primary APN	`212220A000`
Alternative APN	`2-051B-4016-00-0062.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
Gross Area	2,264 sqft
1st Floor Area	1,132 sqft
Basement Area	1,132 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	114 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	212220A000
Street Address	109 MORNINGSIDE LN
City	O FALLON
State	MO
Zip	63366-1239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FOREST PK NORTH LOT 62
Legal Subdivision	FOREST PK NORTH
Legal Lot Number	62
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1011
Census Tract	311603

Owner

109 Morningside Ln is owned and occupied by two individuals who bought it in June 2026.

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 File
Mailing Address	109 MORNINGSIDE LN, O FALLON, MO 63366-1239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Warranty Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Dec 9, 2025	Warranty Deed, Transfer · Line of Credit FIRST STATE COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2026 · Amount on File
Deed Sale	Jun 5, 2026 · Amount on File
Prior Sale	Dec 9, 2025 · Amount on File
Deed Document Number	202626400
Prior Transfer Date	Jan 9, 2022
Prior Transfer Doc	0000006188
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 5, 2026
Property Address	109 MORNINGSIDE LN, O FALLON, MO 63366-1239
Document Number	0000026400
Instrument Date	Jun 1, 2026
Instrument	202626400
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MORNINGSIDE LN, O FALLON, MO 63366-1239

Mortgage

Document Number	0000026401,
Date	Jun 5, 2026
Instrument	202626401

Lender

Name	GOLDEN EMPIRE MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 9, 2025
Property Address	109 MORNINGSIDE LN, O FALLON, MO 63366-1239
Document Number	0000055156
Map Reference	MB 10 PG 11
Instrument Date	Dec 4, 2025
Instrument	2025R-055156
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 HALF MILE LN, TROY, MO 63379-5609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 WALNUT HILL DR, SAINT CHARLES, MO 63304-4545

Mortgage

Document Number	0000055157
Date	Dec 9, 2025
Instrument	2025R-055157

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 Morningside Ln was $2,390, up 0.2% 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		$36,941 (-)	$194,427 (-) Land $40,000 Building $154,427
2025	$2,390.00 (+0.21%)	$36,941	$194,427 Land $40,000 Building $154,427
2024	$2,385.00
2023		$35,798
2022			$188,411 Land $40,000 Building $148,411

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

FEMA maps place 109 Morningside Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 109 Morningside Ln 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 473 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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