St. Charles County property record for 178 Fairgate Dr, Saint Peters, MO 63376
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,526 sqft · built 2003 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $207,000 (Apr 2009) |
| Tax Bill | $3,729 (2025) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T042500032 |
| Primary APN | T042500032 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,526 sqft Living Area |
| 1st Floor Area | 1,526 sqft |
| Basement Area | 1,508 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Spanish |
| Exterior Material | Brick/Stone |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 253 sqft |
| Patio Area | 253 sqft |
| Account Number | T042500032 |
|---|---|
| Old Parcel Number | T042500032 |
| Street Address | 178 FAIRGATE DR |
| City | SAINT PETERS |
| State | MO |
| Zip | 63376-4482 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | WHITEGATE VILLAS ADDN RESUB 46 UNIT 46B |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Section | 00 |
| Legal Subdivision | WHITEGATE VILLAS ADDN RESUB 46 |
| Legal Lot Number | 46B |
| Legal Unit | 46B |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311735 |
178 Fairgate Dr, a condominium, is owned and occupied by an individual who bought it in April 2009.
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 178 FAIRGATE DR, SAINT PETERS, MO 63376-4482 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2009 · Amount on File |
| Deed Sale | Apr 17, 2009 · Amount on File |
| Prior Sale | Aug 25, 2003 |
| Deed Document Number | 0051641357 |
| Deed Book / Page | 5164 / 1357 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 178 FAIRGATE DR, SAINT PETERS, MO 63376-4482 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067690944 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 6769/0944 |
| Instrument | 20170705000412160 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Jan 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 178 Fairgate Dr was $3,729.
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,729.00 | $58,004 | $305,286 |
| 2023 | $55,237 | ||
| 2022 | $290,719 Building $290,719 |
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.
FEMA maps place 178 Fairgate Dr 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 risk around 178 Fairgate 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 431 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon, Wisper ISP.
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