St. Charles County property record for 3 Cedar Ln, O Fallon, MO 63366 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1991 |
| Square Footage | 1,229 sqft Living Area |
| Garage | Attached, 575 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $219,450 (2025) |
| Tax Bill | $3,138.00 (2025) |
| Primary APN | 802950A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,229 sqft Living Area |
| Gross Area | 2,348 sqft Gross Area |
| 1st Floor | 1,229 sqft 1st Floor |
| Basement Area | 544 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Bi-Level Style |
| Exterior Material | Wood Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Depth X Width | 139 ft x 80 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 575 sqft Garage |
| Deck Area | Deck Area |
| Patio Area | 100 sqft Patio |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 802950A000 |
|---|---|
| Street Address | 3 CEDAR LN |
| City | O FALLON |
| State | MO |
| Zip | 63366-3403 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | OFALLON HILLS BLK 16 LOT 5 |
| Legal Subdivision | OFALLON HILLS |
| Legal Block | 16 |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | LAKE ST. LOUIS |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 311907 |
Source: St. Charles County records · APN 802950A000
Assessment roll updated August 7, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 CEDAR LN, O FALLON, MO 63366-3403 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ESSEX RESIDENTIAL MORTGAGE LLC |
| Apr 14, 2017 | Intrafamily Transfer, Transfer · Federal Housing Administration (FHA) Mortgage FLAGSTAR BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 07, 2025 · Amount on Record |
| Deed Sale | Apr 07, 2025 · Amount on Record |
| Prior Sale | Jun 10, 2024 · Amount on Record |
| Deed Doc Number | 202513424 |
| Prior Transfer Date | Apr 07, 2017 |
| Prior Transfer Doc | 0067271851 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 CEDAR LN, O FALLON, MO 63366-3403 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3 CEDAR LN, O FALLON, MO 63366-3403 |
| Document Number | 0000053547 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 2025R-053547 |
| Name | ESSEX RESIDENTIAL MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63127 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 01, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 14, 2017 |
| Property Address | 3 CEDAR LN, O FALLON, MO 63366-3403 |
| Document Number | 0067271851 |
| Book / Page | 6727 / 1851 |
| Map Reference | MB 6 PG 82-85 |
| Instrument Date | Apr 07, 2017 |
| Instrument | 20170414000223560 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | NATIONS TITLE AGENCY OF MISS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 CEDAR LN, O FALLON, MO 63366-3403 |
| Investor | Possibly a Property Investor |
| Document Number | 20170414000223570 |
|---|---|
| Date | Apr 14, 2017 |
| Instrument | 20170414000223570 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2047 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Wentzville R-IV School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $49,019 (-) | $257,997 (-) Land $50,000 Building $207,997 | |
| 2025 | $3,138.00 (+6.16%) | $49,019 (+9.2%) | $257,997 (+9.2%) Land $50,000 Building $207,997 |
| 2024 | $2,956.00 | ||
| 2023 | $44,889 | ||
| 2022 | $236,256 Land $40,000 Building $196,256 |
3 Cedar Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · St. Charles County (29183C), updated August 25, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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