2949 White Stable Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2949 White Stable Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,279 sqft · built 1991
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on Record
Last Sale	$210,000 (Jul 2026)
Tax Bill	$3,490 (2025)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan Jul 2026 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A870002970`

Property Details

APN / Parcel Number

Primary APN	`A870002970`
Alternative APN	`2-0069-6123-00-0098.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,279 sqft Living Area
Gross Area	2,755 sqft
1st Floor Area	1,165 sqft
Basement Area	1,149 sqft
Finished Basement	1,114 sqft
Unfinished Basement	35 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870002970
Street Address	2949 WHITE STABLE DR
City	O FALLON
State	MO
Zip	63368-7855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGAN OAKS #2 LOT 98
Legal Subdivision	MORGAN OAKS #2
Legal Lot Number	98
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2009
Census Tract	311739

Owner

Source: St. Charles County records, as of September 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	417 WATERWAY DR, SAINT CHARLES, MO 63304-7688
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC
Jul 23, 2026	Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC
Oct 11, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 29, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 3, 2020	Loan Modification, Mortgage · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Jun 9, 2026 · Amount on Record
Deed Document Number	202634619
Prior Transfer Date	Mar 10, 2005
Prior Transfer Doc	0000231890
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2026
Property Address	2949 WHITE STABLE DR, O FALLON, MO 63368-7855
Document Number	0000026936
Instrument Date	May 28, 2026
Instrument	202626936
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	AURORA TITLE, AUREO TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	417 WATERWAY DR, SAINT CHARLES, MO 63304-7688

Mortgage

Document Number	0000026937,
Date	Jun 9, 2026
Instrument	202626937

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	6.23%
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 23, 2026
Property Address	2949 WHITE STABLE DR, O FALLON, MO 63368-7855
Document Number	0000034619
Instrument Date	May 28, 2026
Instrument	202634619
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	AURORA TITLE, AUREO TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	417 WATERWAY DR, SAINT CHARLES, MO 63304-7688

Mortgage

Document Number	0000034620,
Date	Jul 23, 2026
Instrument	202634620

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2949 WHITE STABLE DR, O FALLON, MO 63368-7855
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2949 WHITE STABLE DR, O FALLON, MO 63368-7855

Mortgage

Document Number	0000041913
Date	Oct 11, 2023
Instrument	2023R-041913

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	May 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2949 WHITE STABLE DR, O FALLON, MO 63368-7855
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2949 WHITE STABLE DR, O FALLON, MO 63368-7855

Mortgage

Document Number	0000036187
Date	Jun 29, 2022
Instrument	2022R-036187

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	May 1, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	2949 WHITE STABLE DR, O FALLON, MO 63368-7855
Document Number	0072641068
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2949 WHITE STABLE DR O FALLON MO 633687855, O FALLON, MO 63368-7855

Mortgage

Document Number	0072641068
Date	Apr 7, 2020
Book Page	007264/001068
Instrument	212630

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2050

Interest

Rate	3.87%

Tax Assessment & Valuation

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		$53,362 (-)	$280,852 (-) Building $280,852
2025	$3,490.00	$53,362 (+11.04%)	$280,852 (+11.04%) Building $280,852
2023		$48,055
2022			$252,920 Land $45,000 Building $207,920

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	Not rated no burnable land within 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
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 446 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
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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