281 Gentry Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 281 Gentry Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,694 sqft · built 1998
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (Oct 2020)
Tax Bill	$4,058 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A972002036`

Property Details

APN / Parcel Number

Primary APN	`A972002036`
Alternative APN	`2-0098-7651-00-0112.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,694 sqft Living Area
Gross Area	4,046 sqft
1st Floor Area	1,694 sqft
Basement Area	1,614 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	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972002036
Street Address	281 GENTRY DR
City	O FALLON
State	MO
Zip	63366-4372
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHGROVE PL #1 LOT 112
Legal Subdivision	HIGHGROVE PL #1
Legal Lot Number	112
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3007
Census Tract	311604

Owner

Source: St. Charles County records, as of August 13, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	281 GENTRY DR, O FALLON, MO 63366-4372
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2018	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 14, 2020	Quit Claim Deed, Transfer UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Prior Sale	Oct 14, 2020 · Amount on Record
Deed Document Number	202077737
Prior Transfer Date	Feb 10, 2004
Prior Transfer Doc	0000458280
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	281 GENTRY DR, O FALLON, MO 63366-4372
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069550127
Date	Jul 30, 2018
Book Page	6955/0127
Instrument	20180730000428830

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Aug 1, 2046

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2020
Property Address	281 GENTRY DR, O FALLON, MO 63366-4372
Document Number	0000077737
Instrument Date	Oct 8, 2020
Instrument	77737
Transaction Type	Transfer
Record Updated	Jan 22, 2021
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 GENTRY DR O FALLON MO 633664372, O FALLON, MO 63366-4372

Mortgage

Document Number	77738
Date	Oct 14, 2020
Instrument	77738

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,058.00 (+4.78%)	$63,181 (+7.94%)	$332,529 (+7.94%) Land $65,000 Building $267,529
2024	$3,873.00
2023		$58,534
2022			$308,072 Land $50,000 Building $258,072

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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	0.01% 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Socket Telecom, Verizon, Wisper ISP.

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