1390 Apple Valley Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1390 Apple Valley Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,200 sqft · built 1998
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$208,000 (Sep 2017)
Tax Bill	$3,890 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A974000055`

Property Details

APN / Parcel Number

Primary APN	`A974000055`
Alternative APN	`4-0053-7461-00-0138.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,200 sqft Living Area
Gross Area	3,276 sqft
1st Floor Area	1,450 sqft
Basement Area	1,372 sqft
Finished Basement	750 sqft
Unfinished Basement	622 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	54 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A974000055
Street Address	1390 APPLE VALLEY DR
City	O FALLON
State	MO
Zip	63366-3473
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE0
Legal Description	BRYAN VALLEY #2 LOT 138
Legal Subdivision	BRYAN VALLEY #2
Legal Lot Number	138
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3007
Census Tract	311907

Owner

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

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	1390 APPLE VALLEY DR, O FALLON, MO 63366-3473
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Oct 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Sep 22, 2017	Warranty Deed, Transfer · FHA Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2017 · Amount on Record
Deed Sale	Sep 22, 2017 · Amount on Record
Prior Sale	Nov 25, 2013 · Amount on Record
Deed Document Number	2017596200
Deed Book / Page	6811 / 1139
Prior Transfer Date	Nov 21, 2013
Prior Transfer Doc	0061232084
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1390 APPLE VALLEY DR, O FALLON, MO 63366-3473
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1390 APPLE VALLEY DR, SAINT PAUL, MO 63366-3473

Mortgage

Document Number	0000056713
Date	Oct 17, 2022
Instrument	2022R-056713

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 4, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1390 APPLE VALLEY DR, O FALLON, MO 63366-3473
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1390 APPLE VALLEY DR, O FALLON, MO 63366-3473

Mortgage

Document Number	0000056186
Date	Oct 13, 2022
Instrument	2022R-056186

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Oct 4, 2034

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 22, 2017
Property Address	1390 APPLE VALLEY DR, O FALLON, MO 63366-3473
Document Number	0068111139
Book / Page	6811 / 1139
Map Reference	MB 33 PG 105
Instrument Date	Sep 15, 2017
Instrument	20170922000596200
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	117 CROOKED CREEK RD, 117, TROY, MO 63379-3401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1390 APPLE VALLEY DR, O FALLON, MO 63366-3473

Mortgage

Document Number	20170922000596210
Date	Sep 22, 2017
Instrument	20170922000596210

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$56,874 (-)	$299,339 (-) Land $60,000 Building $239,339
2025	$3,890.00 (+5.71%)	$56,874 (+8.86%)	$299,339 (+8.86%) Land $60,000 Building $239,339
2024	$3,680.00
2023		$52,244
2022			$274,967 Land $45,000 Building $229,967

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
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	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 489 locations within half a mile, as of December 31, 2025

Provider	Max 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

May also be available: i3 Broadband.

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