1428 Chambers Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1428 Chambers Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,526 sqft · built 1998
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (May 2026)
Tax Bill	$4,188 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A974000302`

Property Details

APN / Parcel Number

Primary APN	`A974000302`
Alternative APN	`4-0053-7543-00-0097.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,526 sqft Living Area
Gross Area	3,504 sqft
1st Floor Area	1,575 sqft
Basement Area	1,512 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Masonry Veneer
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	417 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	55 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A974000302
Street Address	1428 CHAMBERS DR
City	O FALLON
State	MO
Zip	63366-3475
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	BRYAN VALLEY #3 LOT 97
Legal Subdivision	BRYAN VALLEY #3
Legal Lot Number	97
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3001
Census Tract	311907

Owner

1428 Chambers Dr is owned and occupied by two individuals who bought it in May 2026.

Source: St. Charles County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1428 CHAMBERS DR, O FALLON, MO 63366-3475
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Sep 6, 2022	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2026 · Amount on File
Deed Sale	May 1, 2026 · Amount on File
Prior Sale	Sep 6, 2022 · Amount on File
Deed Document Number	202620357
Prior Transfer Date	Jan 4, 2011
Prior Transfer Doc	0000036580
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 1, 2026
Property Address	1428 CHAMBERS DR, O FALLON, MO 63366-3475
Document Number	0000020357
Instrument Date	Apr 29, 2026
Instrument	202620357
Transaction Type	Transfer
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1428 CHAMBERS DR, O FALLON, MO 63366-3475
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020358,
Date	May 1, 2026
Instrument	202620358

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 6, 2022
Property Address	1428 CHAMBERS DR, O FALLON, MO 63366-3475
Document Number	0000049091
Map Reference	MB 33 PG 225&226
Instrument Date	Jul 28, 2022
Instrument	2022R-049091
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1116 SUNSET GREEN DR, O FALLON, MO 63366-6316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1428 CHAMBERS DR, O FALLON, MO 63366-3475

Mortgage

Document Number	0000049093
Date	Sep 6, 2022
Instrument	2022R-049093

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1428 Chambers Dr was $4,188, up 9.5% 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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,279 (-)	$322,520 (-) Land $60,000 Building $262,520
2025	$4,188.00 (+9.52%)	$61,279	$322,520 Land $60,000 Building $262,520
2024	$3,824.00
2023		$54,312
2022			$285,854 Land $45,000 Building $240,854

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 1428 Chambers Dr in Zone X, an area of minimal flood risk.

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

The area around 1428 Chambers Dr 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 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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