2882 White Stable Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2882 White Stable Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,060 sqft · built 1993
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Jul 2012)
Tax Bill	$3,897 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A942000332`

Property Details

APN / Parcel Number

Primary APN	`A942000332`
Alternative APN	`2-0069-6927-00-0042.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,060 sqft Living Area
Gross Area	3,467 sqft
1st Floor Area	1,058 sqft
Basement Area	966 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Deck Area	Deck Area
Patio Area	396 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A942000332
Street Address	2882 WHITE STABLE DR
City	O FALLON
State	MO
Zip	63368-7852
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHEATFIELD #7 LOT 42
Legal Subdivision	WHEATFIELD #7
Legal Lot Number	42
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3003
Census Tract	311739

Owner

2882 White Stable Dr is owned and occupied by an individual who bought it in July 2012.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Jul 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Oct 17, 2018	Deed of Trust, Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2012 · Amount on File
Deed Sale	Jul 24, 2012 · Amount on File
Prior Sale	Jul 24, 2012 · Amount on File
Deed Document Number	2012547570
Deed Book / Page	5820 / 1137
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852

Mortgage

Document Number	0000047354
Date	Oct 23, 2025
Instrument	2025R-047354

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.95%
Type Change Date	Nov 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.95%
Max Rate At Change	7.95%
Index	5-Year TN
Margin	2
Max Rate	11.9%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852
Transaction Type	Mortgage
Record Updated	Jul 25, 2023
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852

Mortgage

Document Number	0000027338
Date	Jul 11, 2023
Instrument	2023R-027338

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year TN
Margin	2
Max Rate	11.5%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852

Mortgage

Document Number	0000039415
Date	Jul 15, 2022
Instrument	2022R-039415

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000658240
Date	Nov 18, 2019
Book Page	7183/1404
Instrument	20191118000658240

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Dec 1, 2024
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2882 WHITE STABLE DR, O FALLON, MO 63368-7852
Document Number	0069942009
Instrument Date	Oct 17, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2882 WHITE STABLE DR O FALLON MO 633687852, O FALLON, MO 63368-7852

Mortgage

Document Number	0069942009
Date	Oct 25, 2018
Book Page	006994/002009
Instrument	609090

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2882 White Stable Dr was $3,897.

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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,654 (-)	$313,971 (-) Land $60,500 Building $253,471
2025	$3,897.00	$59,654	$313,971 Land $60,500 Building $253,471
2023		$55,589
2022			$292,572 Land $49,500 Building $243,072

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

FEMA maps place 2882 White Stable Dr in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 2882 White Stable Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 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	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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 233 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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