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1321 Trading Post Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 1321 Trading Post Ln, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,217 sqft · built 1984
Lot Size0.18 acres (7,841 sqft)
Owner2 Individual Names on File
Last Sale$196,000 (Oct 2020)
Tax Bill$2,948 (2025)
Deeds & MortgagesOct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNA850003758

Property Details

APN / Parcel Number

Primary APNA850003758
Alternative APN
  • 4-0022-5820-00-0078.0000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,217 sqft Living Area
Gross Area2,416 sqft
1st Floor Area1,063 sqft
Basement Area1,041 sqft
Finished Basement154 sqft
Unfinished Basement887 sqft

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area7,841 sqft (0.18 acres)
Garage TypeAttached
Garage Area312 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area25 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA850003758
Street Address1321 TRADING POST LN
CityO FALLON
StateMO
Zip63366-3715
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOSAGE MEADOWS #2A LOT 78
Legal SubdivisionOSAGE MEADOWS #2A
Legal Lot Number78
JurisdictionST CHARLES MO
Township / Civil DivisionLAKE ST. LOUIS
Census Block Group4
Census Block4012
Census Tract311907

Owner

1321 Trading Post Ln is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record2 Individual Names on File
Mailing Address1321 TRADING POST LN, O FALLON, MO 63366-3715
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 23, 2020 · Amount on File
Deed SaleOct 23, 2020 · Amount on File
Prior SaleOct 23, 2020 · Amount on File
Deed Document Number202081254
Record UpdatedOct 29, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateOct 23, 2020
Property Address1321 TRADING POST LN, O FALLON, MO 63366-3715
Document Number0000081254
Instrument DateOct 20, 2020
Instrument81254
Transaction TypeTransfer
Record UpdatedFeb 17, 2021
Title CompanyLTITLE PARTNERS AGENCY LLC, LTITLE PARTNERS AGCY LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1321 TRADING POST LN O FALLON MO 633663715, O FALLON, MO 63366-3715

Mortgage

Document Number81255
DateOct 23, 2020
Instrument81255
Lender
NameGUILD MTG
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueOct 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1321 Trading Post Ln was $2,948.

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictWentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$42,950 (-)$226,052 (-) Land $45,000 Building $181,052
2025$2,948.00$42,950$226,052 Land $45,000 Building $181,052
2023$40,359
2022$212,418 Land $45,000 Building $167,418

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 1321 Trading Post Ln in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

The area around 1321 Trading Post 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 RiskNot 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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 570 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Gateway Fiber
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Wisper ISP
Fixed Wireless		400 / 30
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: i3 Broadband.

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