1187 Bellow Falls Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1187 Bellow Falls Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,804 sqft · built 1995
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$321,300 (Aug 2020)
Tax Bill	$3,674 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A963000132`

Property Details

APN / Parcel Number

Primary APN	`A963000132`
Alternative APN	`3-157C-7285-00-0040.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,804 sqft Living Area
Gross Area	3,347 sqft
1st Floor Area	1,504 sqft
Basement Area	1,436 sqft
Finished Basement	300 sqft
Unfinished Basement	1,136 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A963000132
Street Address	1187 BELLOW FALLS DR
City	O FALLON
State	MO
Zip	63368-8619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO MANOR LOT 40
Legal Subdivision	MONTICELLO MANOR
Legal Lot Number	40
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1019
Census Tract	311124

Owner

Source: St. Charles County records, as of August 13, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	1187 BELLOW FALLS DR, O FALLON, MO 63368-8619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC
Feb 23, 2017	Warranty Deed, Transfer · VA Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on Record
Deed Sale	Aug 20, 2020 · Amount on Record
Prior Sale	Aug 20, 2020 · Amount on Record
Deed Document Number	2020601160
Deed Book / Page	7376 / 889
Prior Transfer Date	Nov 18, 2012
Prior Transfer Doc	0059110472
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 20, 2020
Property Address	1187 BELLOW FALLS DR, O FALLON, MO 63368-8619
Document Number	0073760889
Book / Page	7376 / 889
Map Reference	MB 32 PG 257-261
Instrument Date	Aug 6, 2020
Instrument	20200820000601160
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2291 HIGHLAND HILL DR, SAINT PETERS, MO 63376-2679

Mortgage

Document Number	20200820000601170
Date	Aug 20, 2020
Instrument	20200820000601170

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 23, 2017
Property Address	1187 BELLOW FALLS DR, O FALLON, MO 63368-8619
Document Number	0067031102
Book / Page	6703 / 1102
Map Reference	MB 32 PG 257-261
Instrument Date	Feb 16, 2017
Instrument	20170223000114980
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1187 BELLOW FALLS DR, O FALLON, MO 63368-8619

Mortgage

Document Number	20170223000114990
Date	Feb 23, 2017
Instrument	20170223000114990

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,674.00 (+3.87%)	$57,544 (+4.85%)	$302,865 (+4.85%) Land $65,800 Building $237,065
2024	$3,537.00
2023		$54,882
2022			$288,850 Land $50,000 Building $238,850

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · rainfall accumulation

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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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