123 Gladiola Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 123 Gladiola Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,532 sqft · built 1997
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$177,000 (Mar 1998)
Tax Bill	$4,954 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A982000628`

Property Details

APN / Parcel Number

Primary APN	`A982000628`
Alternative APN	`2-0066-7789-00-0386.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	4,224 sqft
1st Floor Area	1,368 sqft
Basement Area	1,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982000628
Street Address	123 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 386
Legal Subdivision	VLGS AT HUTCHINGS FARM #1
Legal Lot Number	386
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2001
Census Tract	311735

Owner

123 Gladiola Ct is owned by two individuals who acquired it in April 2025.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12389 S RACE ST, OLATHE, KS 66061-7846
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
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 23, 2017	Deed of Trust, Mortgage HOMETOWN EQUITY MTG/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 1998 · Amount on File
Deed Sale	Mar 23, 1998 · Amount on File
Deed Document Number	199820244
Deed Book / Page	2047 / 919
Last Transfer Date	Apr 15, 2025
Transfer Doc	0000015882
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	123 GLADIOLA CT, O FALLON, MO 63368-6630
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	FREEDOM TITLE, FREEDOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 GLADIOLA CT, O FALLON, MO 63368-6630

Mortgage

Document Number	2021R030600
Date	Apr 7, 2021
Instrument	2021R-030600

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	123 GLADIOLA CT, O FALLON, MO 63368-6630
Document Number	0067181267
Book / Page	006718 / 001267
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	AGENTS NATIONAL TITLE INSURANCE COMPANY, AGENTS NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 GLADIOLA CT O FALLON MO 633686630, O FALLON, MO 63368-6630

Mortgage

Document Number	0067181267
Date	Mar 28, 2017
Book Page	006718/001267
Instrument	183730

Lender

Name	HOMETOWN EQUITY MTG/ST LOUIS
Type	Mortgage Company
Address	SAINT PETERS, MO 63376

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 27, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 123 Gladiola Ct was $4,954.

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		$77,274 (-)	$406,703 (-) Land $75,000 Building $331,703
2025	$4,954.00	$77,274	$406,703 Land $75,000 Building $331,703
2023		$69,020
2022			$363,262 Land $55,000 Building $308,262

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 123 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 123 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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