1478 Chambers Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1478 Chambers Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,621 sqft · built 1998
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jan 2017)
Tax Bill	$4,458 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`A974000287`

Property Details

APN / Parcel Number

Primary APN	`A974000287`
Alternative APN	`4-0053-7543-00-0082.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,621 sqft Living Area
Gross Area	3,809 sqft
1st Floor Area	1,621 sqft
Basement Area	1,519 sqft
Finished Basement	1,000 sqft
Unfinished Basement	519 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	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	669 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	325 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A974000287
Street Address	1478 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 82
Legal Subdivision	BRYAN VALLEY #3
Legal Lot Number	82
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3001
Census Tract	311907

Owner

1478 Chambers Dr is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1478 CHAMBERS DR, O FALLON, MO 63366-3475
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
Feb 26, 2024	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Jun 29, 2018	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Apr 14, 2018	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Jan 24, 2017	Warranty Deed, Transfer CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2017 · Amount on File
Deed Sale	Jan 24, 2017 · Amount on File
Prior Sale	Jun 24, 2013 · Amount on File
Deed Document Number	201749320
Deed Book / Page	6689 / 2126
Prior Transfer Date	Sep 11, 1998
Prior Transfer Doc	0000074785
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1478 CHAMBERS DR, O FALLON, MO 63366-3475
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1478 CHAMBERS DR, O FALLON, MO 63366-3475

Mortgage

Document Number	0000007136
Date	Feb 26, 2024
Instrument	2024R-007136

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1478 CHAMBERS DR, O FALLON, MO 63366-3475
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003909
Date	Jan 19, 2022
Instrument	2022R-003909

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1478 CHAMBERS DR, O FALLON, MO 63366-3475
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R049273
Date	Jun 9, 2021
Instrument	2021R-049273

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1478 CHAMBERS DR, O FALLON, MO 63366-3475
Document Number	0069452168
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1478 CHAMBERS DR ST PETERS MO 633663475, ST PETERS, MO 63366-3475

Mortgage

Document Number	0069452168
Date	Jul 9, 2018
Book Page	006945/002168
Instrument	385250

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 8, 2038

Interest

Rate Type	Adjustable Rate
Rate	5.12%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1478 CHAMBERS DR, O FALLON, MO 63366-3475
Document Number	0069072032
Instrument Date	Apr 14, 2018
Transaction Type	Mortgage
Record Updated	May 2, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1478 CHAMBERS DR ST PETERS MO 633663475, ST PETERS, MO 63366-3475

Mortgage

Document Number	0069072032
Date	Apr 20, 2018
Book Page	006907/002032
Instrument	214950

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 24, 2017
Property Address	1478 CHAMBERS DR, O FALLON, MO 63366-3475
Document Number	0066892126
Book / Page	006689 / 002126
Instrument Date	Jan 20, 2017
Instrument	49320
Transaction Type	Transfer
Record Updated	Feb 20, 2017
Title Company	NETCO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1478 CHAMBERS DR O FALLON MO 633663475, O FALLON, MO 63366-3475

Mortgage

Document Number	66892128
Date	Jan 24, 2017
Book Page	006689/002128
Instrument	49330

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 1478 Chambers Dr was $4,458.

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		$65,267 (-)	$343,510 (-) Land $66,000 Building $277,510
2025	$4,458.00	$65,267	$343,510 Land $66,000 Building $277,510
2023		$62,029
2022			$326,467 Land $49,500 Building $276,967

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

FEMA maps place 1478 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

Wildfire risk around 1478 Chambers Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 419 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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