28 Forest Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 28 Forest Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,218 sqft · built 1997
Lot Size	0.473 acres (20,625 sqft)
Owner	2 Individual Names on File
Last Sale	$154,100 (Sep 2004)
Tax Bill	$3,148 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`797970A000`

Property Details

APN / Parcel Number

Primary APN	`797970A000`
Alternative APN	`4-0053-4372-11-0010.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,218 sqft Living Area
Gross Area	3,018 sqft
1st Floor Area	1,218 sqft
Basement Area	1,200 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	20,625 sqft (0.473 acres)
Lot Dimensions	275 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	Deck Area
Patio Area	432 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	797970A000
Street Address	28 FOREST LN
City	O FALLON
State	MO
Zip	63366-3425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	OFALLON HILLS BLK 11 LOT 10
Legal Subdivision	OFALLON HILLS
Legal Block	11
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1003
Census Tract	311907

Owner

Source: St. Charles County records · APN 797970A000

Assessment roll updated August 13, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	28 FOREST LN, O FALLON, MO 63366-3425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 08, 2004 · Amount on Record
Deed Sale	Sep 08, 2004 · Amount on Record
Prior Sale	Apr 17, 1998 · Amount on Record
Deed Document Number	2004872270
Deed Book / Page	3972 / 687
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 22, 2026
Property Address	28 FOREST LN, O FALLON, MO 63366-3425
Document Number	0000034493
Instrument Date	Jul 16, 2026
Instrument	202634493
Transaction Type	Transfer
Record Updated	Aug 04, 2026
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 FOREST LN, O FALLON, MO 63366-3425

Mortgage

Document Number	0000034494,
Date	Jul 22, 2026
Instrument	202634494

Lender

Name	FIRST STATE BANK/STATE CHARLES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,148.00	$49,177 (+12.87%)	$258,828 (+12.87%) Building $258,828
2023		$43,571
2022			$229,323 Land $44,000 Building $185,323

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco Fiber	8,000 / 8,000
Gateway Fiber Holdings Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 440 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST CHARLES COUNTY PWSD 2 serves 100,587 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.