2954 Middlesburg Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2954 Middlesburg Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,305 sqft · built 1995
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Jun 2024)
Tax Bill	$4,455 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A963000192`

Property Details

APN / Parcel Number

Primary APN	`A963000192`
Alternative APN	`3-157C-7285-00-0100.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,305 sqft Living Area
Gross Area	3,917 sqft
1st Floor Area	1,252 sqft
Basement Area	1,213 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A963000192
Street Address	2954 MIDDLESBURG DR
City	O FALLON
State	MO
Zip	63368-8612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO MANOR LOT 100
Legal Subdivision	MONTICELLO MANOR
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1007
Census Tract	311124

Owner

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2954 MIDDLESBURG DR, O FALLON, MO 63368-8612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage F & M BANK & TRUST COMPANY
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit THE F&M BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Mar 16, 2007 · Amount on Record
Deed Document Number	202425140
Prior Transfer Date	Feb 6, 2003
Prior Transfer Doc	0000026823
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2954 MIDDLESBURG DR, O FALLON, MO 63368-8612
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	BENCHMARK TITLE LLC (TH), BENCHMARK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R010905
Date	Feb 4, 2021
Instrument	2021R-010905

Lender

Name	F & M BANK & TRUST COMPANY
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	86 Months
Due	Apr 1, 2028

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2954 MIDDLESBURG DR, O FALLON, MO 63368-8612
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2954 MIDDLESBURG DR, O FALLON, MO 63368-8612

Mortgage

Document Number	2021R013799
Date	Feb 16, 2021
Instrument	2021R-013799

Lender

Name	THE F&M BANK & TRUST CO
Type	Bank
Address	HANNIBAL, MO 63401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	86 Months
Due	Apr 1, 2028

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,913 (-)	$367,961 (-) Land $65,800 Building $302,161
2025	$4,455.00	$69,913 (+8.15%)	$367,961 (+8.15%) Land $65,800 Building $302,161
2023		$64,646
2022			$340,243 Land $50,000 Building $290,243

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
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.

Wildfire

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

Wildfire Risk	Low lower than 96% of the US · lower than 94% 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 137 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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