286 Grand Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 286 Grand Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,524 sqft · built 1997
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,500 (Jan 2017)
Tax Bill	$3,864 (2025)
Deeds & Mortgages	Jan 2021 Loan Modification Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A972001935`

Property Details

APN / Parcel Number

Primary APN	`A972001935`
Alternative APN	`2-0098-7651-00-0011.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,524 sqft Living Area
Gross Area	3,324 sqft
1st Floor Area	1,026 sqft
Basement Area	1,014 sqft
Finished Basement	718 sqft
Unfinished Basement	296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	112 sqft
Patio Area	399 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972001935
Street Address	286 GRAND DR
City	O FALLON
State	MO
Zip	63366-4353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHGROVE PL #1 LOT 11
Legal Subdivision	HIGHGROVE PL #1
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2006
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	2 Individual Names on Record
Mailing Address	286 GRAND DR, O FALLON, MO 63366-4353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 1, 2021	Loan Modification, Mortgage TRUIST BK
Jan 10, 2017	Warranty Deed, Transfer · VA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2017 · Amount on Record
Deed Sale	Jan 10, 2017 · Amount on Record
Prior Sale	Sep 23, 2008 · Amount on Record
Deed Document Number	201720740
Deed Book / Page	6683 / 1879
Prior Transfer Date	Sep 15, 2008
Prior Transfer Doc	0050511160
Record Updated	Jun 8, 2026

January 2021: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	286 GRAND DR, O FALLON, MO 63366-4353
Document Number	0000004582
Instrument Date	Jan 1, 2021
Transaction Type	Mortgage
Record Updated	Mar 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	286 GRAND DR O FALLON MO 633664353, O FALLON, MO 63366-4353

Mortgage

Document Number	0000004582
Date	Jan 15, 2021
Instrument	4582

Lender

Name	TRUIST BK
Address	FLINT, MI 48501-2026

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 10, 2017
Property Address	286 GRAND DR, O FALLON, MO 63366-4353
Document Number	0066831879
Book / Page	6683 / 1879
Map Reference	MB 33 PG 382
Instrument Date	Dec 15, 2016
Instrument	20170110000020740
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 GRAND DR, O FALLON, MO 63366-4353
Investor	Possibly a Property Investor

Mortgage

Document Number	20170110000020750
Date	Jan 10, 2017
Instrument	20170110000020750

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

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	$3,864.00 (+2.14%)	$60,133 (+5.2%)	$316,491 (+5.2%) Land $65,000 Building $251,491
2024	$3,783.00
2023		$57,163
2022			$300,856 Land $50,000 Building $250,856

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 6 (20% 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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