20 White Chapel Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 20 White Chapel Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,502 sqft · built 1993
Lot Size	0.29 acres (12,632 sqft)
Owner	Company Name on Record
Last Sale	$336,000 (Mar 2026)
Tax Bill	$3,666 (2025)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A903000503`

Property Details

APN / Parcel Number

Primary APN	`A903000503`
Alternative APN	`3-157D-6599-00-0168.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,502 sqft Living Area
Gross Area	3,226 sqft
1st Floor Area	1,422 sqft
Basement Area	1,404 sqft
Finished Basement	1,080 sqft
Unfinished Basement	324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	108 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A903000503
Street Address	20 WHITE CHAPEL CT
City	O FALLON
State	MO
Zip	63368-8028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARRIAGE HILLS #2 LOT 168
Legal Subdivision	CARRIAGE HILLS #2
Legal Lot Number	168
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1011
Census Tract	311151

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	Company Name on Record
Mailing Address	20 WHITE CHAPEL CT, O FALLON, MO 63368-8028
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2026 · Amount on Record
Deed Sale	Mar 23, 2026 · Amount on Record
Prior Sale	May 22, 2008 · Amount on Record
Deed Document Number	202613123
Prior Transfer Date	Aug 5, 2003
Prior Transfer Doc	0035920568
Record Updated	Oct 29, 2026

March 2026: Conservator's Deed, Transfer

Document Type	Conservator's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2026
Property Address	20 WHITE CHAPEL CT, O FALLON, MO 63368-8028
Document Number	0000013123
Map Reference	MB 29 PG 193
Instrument Date	Mar 10, 2026
Instrument	2026R-013123
Transaction Type	Transfer
Record Updated	Apr 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	20 WHITE CHAPEL CT, O FALLON, MO 63368-8028

Mortgage

Document Number	0000013124
Date	Mar 23, 2026
Instrument	2026R-013124

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,124 (-)	$316,442 (-) Land $65,000 Building $251,442
2025	$3,666.00 (+5.5%)	$60,124 (+8.88%)	$316,442 (+8.89%) Land $65,000 Building $251,442
2024	$3,475.00
2023		$55,218
2022			$290,619 Land $65,000 Building $225,619

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1986–2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2003 · river or lake flooding

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 117 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20