3 Holly Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 3 Holly Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1986
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Oct 2022)
Tax Bill	$3,122 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860001365`

Property Details

APN / Parcel Number

Primary APN	`A860001365`
Alternative APN	`2-0141-5889-00-0018.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	988 sqft
Basement Area	988 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860001365
Street Address	3 HOLLY CT
City	O FALLON
State	MO
Zip	63366-2970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLLY HILLS LOT 18
Legal Subdivision	HOLLY HILLS
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2015
Census Tract	311712

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	3 HOLLY CT, O FALLON, MO 63366-2970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 17, 2022	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Sep 15, 1998 · Amount on Record
Deed Document Number	202256540
Prior Transfer Date	May 19, 1998
Prior Transfer Doc	0000040526
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3 HOLLY CT, O FALLON, MO 63366-2970
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HOLLY CT, O FALLON, MO 63366-2970
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032424
Date	Jun 9, 2022
Instrument	2022R-032424

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 28, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 17, 2022
Property Address	3 HOLLY CT, O FALLON, MO 63366-2970
Document Number	0000056540
Map Reference	MB 24 PG 126
Instrument Date	Oct 7, 2022
Instrument	2022R-056540
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 HOLLY CT, O FALLON, MO 63366-2970

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HOLLY CT, O FALLON, MO 63366-2970

Mortgage

Document Number	0000056541
Date	Oct 17, 2022
Instrument	2022R-056541

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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		$48,455 (-)	$255,025 (-) Building $255,025
2025	$3,122.00	$48,455 (+6.21%)	$255,025 (+6.21%)
2023		$45,622
2022			$240,114 Land $50,000 Building $190,114

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	22 (1981–2022)
Claims Outside the SFHA	6 of 22
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 3 claims Severe Storms, Tornadoes, And Flooding, May 2019 · 2 claims Severe Storms & Flooding, Jul 1993 · 5 claims

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 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
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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon, Wisper ISP.

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