St. Charles County property record for 2891 Carters Grove, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,694 sqft · built 1995 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual on Record |
| Last Sale | $186,400 (Dec 2015) |
| Tax Bill | $4,322 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A963000120 |
| Primary APN | A963000120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,694 sqft Living Area |
| Gross Area | 3,715 sqft |
| 1st Floor Area | 1,694 sqft |
| Basement Area | 1,614 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 407 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | Deck Area |
| Patio Area | 170 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A963000120 |
|---|---|
| Street Address | 2891 CARTERS GRV |
| City | O FALLON |
| State | MO |
| Zip | 63368-8592 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTICELLO MANOR LOT 28 |
| Legal Subdivision | MONTICELLO MANOR |
| Legal Lot Number | 28 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 311124 |
Source: St. Charles County assessment roll, 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 on Record |
|---|---|
| Mailing Address | 2891 CARTERS GRV, O FALLON, MO 63368-8592 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2015 · Amount on Record |
| Deed Sale | Dec 2, 2015 · Amount on Record |
| Prior Sale | May 20, 2003 · Amount on Record |
| Deed Document Number | 2015786820 |
| Deed Book / Page | 6458 / 14 |
| Prior Transfer Date | Nov 20, 2015 |
| Prior Transfer Doc | 0064580016 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2891 CARTERS GRV, O FALLON, MO 63368-8592 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2891 CARTERS GRV, O FALLON, MO 63368-8592 |
| Document Number | 0000012666 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 2023R-012666 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 272 Months |
| Due | Dec 1, 2045 |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,322.00 (+11.05%) | $67,805 (+12.15%) | $356,867 (+12.15%) Building $356,867 |
| 2024 | $3,892.00 | ||
| 2023 | $60,459 | ||
| 2022 | $318,207 Land $50,000 Building $268,207 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
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: 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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