St. Charles County property record for 2851 Carters Grove, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,472 sqft · built 1995 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Oct 2020) |
| Tax Bill | $4,686 (2025) |
| Deeds & Mortgages | Apr 2017 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A963000116 |
| Primary APN | A963000116 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,472 sqft Living Area |
| 1st Floor Area | 1,323 sqft |
| Basement Area | 1,257 sqft |
| Finished Basement | 942 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 80 sqft |
| Patio Area | 540 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | A963000116 |
|---|---|
| Old Parcel Number | A963000116 |
| Street Address | 2851 CARTERS GRV |
| City | O FALLON |
| State | MO |
| Zip | 63368-8592 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTICELLO MANOR LOT 24 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | MONTICELLO MANOR |
| Legal Lot Number | 24 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 311124 |
Source: St. Charles County records · APN A963000116
Assessment roll updated July 1, 2025 · Last verified March 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2851 CARTERS GRV, O FALLON, MO 63368-8592 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU OF BELOIT |
| Oct 01, 2020 | Warranty Deed, Transfer GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 01, 2020 · Amount on Record |
| Deed Sale | Oct 01, 2020 · Amount on Record |
| Prior Sale | Sep 14, 2012 · Amount on Record |
| Deed Document Number | 0202073763 |
| Deed Book / Page | 2020 / 73763 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2851 CARTERS GRV, O FALLON, MO 63368-8592 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CLEAR TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0067251074 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | 6725/1074 |
| Instrument | 20170410000213860 |
| Name | FIRST COMMUNITY CU OF BELOIT |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 01, 2020 |
| Property Address | 2851 CARTERS GRV, O FALLON, MO 63368-8592 |
| Document Number | 0000073763 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 73763 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2020 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2851 CARTERS GRV O FALLON MO 633688592, O FALLON, MO 63368-8592 |
| Document Number | 73764 |
|---|---|
| Date | Oct 01, 2020 |
| Instrument | 73764 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 30, 2050 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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 | $4,686.00 | $73,561 (+3.77%) | $387,166 (+3.77%) Land $65,800 Building $321,366 |
| 2023 | $70,889 | ||
| 2022 | $373,098 Land $50,000 Building $323,098 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2013 · rainfall accumulation |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 231 locations within half a mile of this property.
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 |
| Also Mapped Here | MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| 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 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.
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