303 Ernest Pl, O Fallon, MO 63366 Property Records

St. Charles County property record for 303 Ernest Pl, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,560 sqft · built 1966
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Apr 2019)
Tax Bill	$2,701 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`341610A000`

Property Details

APN / Parcel Number

Primary APN	`341610A000`
Alternative APN	`2-0141-4274-00-0047.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	3,196 sqft
1st Floor Area	1,560 sqft
Basement Area	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	88 sqft
Patio Area	588 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	341610A000
Street Address	303 ERNEST PL
City	O FALLON
State	MO
Zip	63366-2908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	FORT ZUMWALT HGTS TRT 47
Legal Subdivision	FORT ZUMWALT HGTS
Legal Lot Number	47
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2035
Census Tract	311712

Owner

Source: St. Charles County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	303 ERNEST PL, O FALLON, MO 63366-2908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · FHA Mortgage DELMAR FINANCIAL CO
Apr 5, 2019	Intrafamily Transfer, Transfer · FHA Mortgage DELMAR FINANCIAL CO
Jul 26, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 26, 2018	Warranty Deed, Transfer · FHA Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on Record
Deed Sale	Apr 5, 2019 · Amount on Record
Prior Sale	Jul 26, 2018 · Amount on Record
Deed Document Number	2019153640
Deed Book / Page	7055 / 2166
Prior Transfer Date	Apr 1, 2019
Prior Transfer Doc	0070552166
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	303 ERNEST PL, O FALLON, MO 63366-2908
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 ERNEST PL, O FALLON, MO 63366-2908

Mortgage

Document Number	2021R023591
Date	Mar 17, 2021
Instrument	2021R-023591

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 5, 2019
Property Address	303 ERNEST PL, O FALLON, MO 63366-2908
Document Number	0070552166
Book / Page	7055 / 2166
Map Reference	MB 5 PG 40
Instrument Date	Apr 1, 2019
Instrument	20190405000153640
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 ERNEST PL, O FALLON, MO 63366-2908

Mortgage

Document Number	20190405000153650
Date	Apr 5, 2019
Instrument	20190405000153650

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 26, 2018
Property Address	303 ERNEST PL, O FALLON, MO 63366-2908
Document Number	0069540269
Book / Page	006954 / 000269
Instrument Date	Jul 20, 2018
Instrument	424570
Transaction Type	Transfer
Record Updated	Aug 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 ERNEST PL O FALLON MO 633662908, O FALLON, MO 63366-2908

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 26, 2018
Property Address	303 ERNEST PL, O FALLON, MO 63366-2908
Document Number	0069400009
Book / Page	6940 / 0009
Map Reference	MB 5 PG 40
Instrument Date	Jun 20, 2018
Instrument	20180626000035840
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 ERNEST PL, 303, O FALLON, MO 63366-2908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 ERNEST PL, O FALLON, MO 63366-2908

Mortgage

Document Number	20180626000035842
Date	Jun 26, 2018
Instrument	20180626000035842

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$45,517 (-)	$239,559 (-) Land $48,000 Building $191,559
2025	$2,701.00 (-7.21%)	$45,517 (-4.54%)	$239,559 (-4.55%) Land $48,000 Building $191,559
2024	$2,911.00
2023		$47,684
2022			$250,969 Land $40,000 Building $210,969

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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 323 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
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, i3 Broadband, Verizon.

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