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

St. Charles County property record for 114 Cloverleaf Meadows Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,480 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jan 2026)
Tax Bill	$6,980 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T042400033`

Property Details

APN / Parcel Number

Primary APN	`T042400033`
Alternative APN	`2-0067-9174-00-0119.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,380 sqft Living Area
Gross Area	5,512 sqft
1st Floor Area	2,048 sqft
Basement Area	1,432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	225 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T042400033
Street Address	114 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 119
Legal Subdivision	AMBER MEADOWS #1
Legal Lot Number	119
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 September 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	114 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Special Warranty Deed, Transfer · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Jan 19, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2026 · Amount on Record
Deed Sale	Jan 5, 2026 · Amount on Record
Prior Sale	Oct 7, 2024 · Amount on Record
Deed Document Number	2026530
Prior Transfer Date	Oct 4, 2024
Prior Transfer Doc	0000041280
Record Updated	Oct 29, 2026

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 5, 2026
Property Address	114 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190
Document Number	0000000530
Map Reference	MB 39 PG 240
Instrument Date	Dec 30, 2025
Instrument	2026R-000530
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6555 EXCELLENCE WAY, PLANO, TX 75023-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190

Mortgage

Document Number	0000000531
Date	Jan 5, 2026
Instrument	2026R-000531

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	1%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 19, 2022
Property Address	114 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190
Document Number	0000003980
Map Reference	MB 39 PG 240
Instrument Date	Jan 13, 2022
Instrument	2022R-003980
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1177 AUGUST LAKE DR, 1177, DEFIANCE, MO 63341-1773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 CLOVERLEAF MEADOWS CT, O FALLON, MO 63366-4190

Mortgage

Document Number	0000003981
Date	Jan 19, 2022
Instrument	2022R-003981

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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		$96,900 (-11.22%)	$510,000 (-11.22%) Land $100,000 Building $410,000
2025	$6,980.00 (+18.99%)	$109,150 (+9.71%)	$574,476 (+9.71%) Land $100,000 Building $474,476
2023		$99,489 (+20.12%)
2022	$5,866.00	$82,825	$523,624 (+20.12%) Land $70,000 Building $453,624
2021			$435,922

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 500 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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