20 S Meadow Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 20 S Meadow Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,528 sqft · built 1963
Lot Size	0.25 acres (10,875 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Aug 2023)
Tax Bill	$2,655 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`795660A000`

Property Details

APN / Parcel Number

Primary APN	`795660A000`
Alternative APN	`4-0053-4372-07-0018.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
Gross Area	2,470 sqft
1st Floor Area	1,136 sqft
Basement Area	784 sqft
Finished Basement	392 sqft
Unfinished Basement	392 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,875 sqft (0.25 acres)
Lot Dimensions	145 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	246 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	795660A000
Street Address	20 S MEADOW DR
City	O FALLON
State	MO
Zip	63366-3420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	OFALLON HILLS BLK 7 LOTS 18-19
Legal Subdivision	OFALLON HILLS
Legal Block	7
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1007
Census Tract	311907

Owner

20 S Meadow Dr is owned and occupied by two individuals who bought it in August 2023.

Source: St. Charles County records, as of September 10, 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	2 Individual Names on File
Mailing Address	20 S MEADOW DR, O FALLON, MO 63366-3420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit MIDWEST BANK CENTRE
Aug 25, 2023	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2023 · Amount on File
Deed Sale	Aug 25, 2023 · Amount on File
Prior Sale	Aug 31, 2022 · Amount on File
Deed Document Number	202334655
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	20 S MEADOW DR, O FALLON, MO 63366-3420
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 S MEADOW DR, O FALLON, MO 63366-3420

Mortgage

Document Number	0000046044
Date	Oct 15, 2025
Instrument	2025R-046044

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Dec 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	20 S MEADOW DR, O FALLON, MO 63366-3420
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2364 DE LA CROIX AVE, SAINT CHARLES, MO 63301-5014

Mortgage

Document Number	0000053687
Date	Sep 30, 2022
Instrument	2022R-053687

Lender

Name	MIDWEST BANK CENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 25, 2023
Property Address	20 S MEADOW DR, O FALLON, MO 63366-3420
Document Number	0000034655
Map Reference	MB 6 PG 82-85
Instrument Date	Aug 23, 2023
Instrument	2023R-034655
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2364 DE LA CROIX AVE, SAINT CHARLES, MO 63301-5014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 S MEADOW DR, O FALLON, MO 63366-3420

Mortgage

Document Number	0000034656
Date	Aug 25, 2023
Instrument	2023R-034656

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 20 S Meadow Dr was $2,655.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$41,409 (-)	$217,944 (-) Building $217,944
2025	$2,655.00	$41,409	$217,944
2023		$36,703
2022			$193,176 Land $40,000 Building $153,176

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 20 S Meadow Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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
Nearby Flood Claims	2 (1982–1983)
Most Recent Claim	Apr 1983 · 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

Wildfire risk around 20 S Meadow 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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