120 Gladiola Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 120 Gladiola Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,228 sqft · built 1998
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Aug 2023)
Tax Bill	$4,637 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A982000626`

Property Details

APN / Parcel Number

Primary APN	`A982000626`
Alternative APN	`2-0066-7789-00-0384.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,228 sqft Living Area
Gross Area	3,963 sqft
1st Floor Area	1,281 sqft
Basement Area	1,205 sqft
Finished Basement	950 sqft
Unfinished Basement	255 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982000626
Street Address	120 GLADIOLA CT
City	O FALLON
State	MO
Zip	63368-6630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT HUTCHINGS FARM #1 LOT 384
Legal Subdivision	VLGS AT HUTCHINGS FARM #1
Legal Lot Number	384
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2001
Census Tract	311735

Owner

120 Gladiola Ct is owned and occupied by two individuals who bought it in August 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 GLADIOLA CT, O FALLON, MO 63368-6630
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage BRETT D WOLFF MD
Aug 24, 2023	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 17, 2017	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2023 · Amount on File
Deed Sale	Aug 24, 2023 · Amount on File
Prior Sale	Jan 23, 2014 · Amount on File
Deed Document Number	202334371
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	120 GLADIOLA CT, O FALLON, MO 63368-6630
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 GLADIOLA CT, O FALLON, MO 63368-6630

Mortgage

Document Number	0000011303
Date	Mar 11, 2026
Instrument	2026R-011303

Lender

Name	BRETT D WOLFF MD
Type	Private Party
Address	3010 ELM ST, SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 24, 2023
Property Address	120 GLADIOLA CT, O FALLON, MO 63368-6630
Document Number	0000034371
Map Reference	MB 34 PG 182
Instrument Date	Aug 17, 2023
Instrument	2023R-034371
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	57 PARK CHARLES BLVD S # SB, SB, SAINT PETERS, MO 63376-3100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 GLADIOLA CT, O FALLON, MO 63368-6630

Mortgage

Document Number	0000034372
Date	Aug 24, 2023
Instrument	2023R-034372

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	0000034373
Date	Aug 24, 2023
Instrument	2023R-034373

Lender

Name	BRETT D WOLFF REVOCABLE TRUST
Type	Private Party
Address	3010 ELM ST, SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 17, 2017
Property Address	120 GLADIOLA CT, O FALLON, MO 63368-6630
Document Number	0067931178
Book / Page	006793 / 001178
Instrument Date	May 17, 2017
Instrument	519690
Transaction Type	Transfer
Record Updated	Aug 24, 2017
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 DANBURY RD #101 WILTON CT 068974441, 101, WILTON, CT 06897-4441
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 120 Gladiola Ct was $4,637, up 1.1% 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		$72,295 (-)	$380,501 (-) Land $75,000 Building $305,501
2025	$4,637.00 (+1.13%)	$72,295	$380,501 Land $75,000 Building $305,501
2024	$4,585.00
2023		$69,420
2022			$365,369 Land $55,000 Building $310,369

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 120 Gladiola Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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

The area around 120 Gladiola Ct 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	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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	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: AT&T.

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