305 Forest Acres Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 305 Forest Acres Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,360 sqft · built 1979
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jan 2022)
Tax Bill	$4,303 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`342480B000`

Property Details

APN / Parcel Number

Primary APN	`342480B000`
Alternative APN	`2-0057-S030-00-0002.3200000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,360 sqft Living Area
Gross Area	4,320 sqft
1st Floor Area	2,160 sqft
Basement Area	1,410 sqft
Finished Basement	1,200 sqft
Unfinished Basement	210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	174,240 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	728 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	342480B000
Street Address	305 FOREST ACRES DR
City	O FALLON
State	MO
Zip	63366-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	PT NW NW 1/4
Legal Range	3
Legal Township	47
Legal Section	03
Legal Subdivision	WILLERDING CONSOLIDATION
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3015
Census Tract	311802

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	305 FOREST ACRES DR, O FALLON, MO 63366-1905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jan 21, 2022	Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2022 · Amount on Record
Deed Sale	Jan 21, 2022 · Amount on Record
Deed Document Number	20224343
Prior Transfer Date	Jan 14, 2022
Prior Transfer Doc	0000004341
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 FOREST ACRES DR, O FALLON, MO 63366-1905
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 FOREST ACRES DR, O FALLON, MO 63366-1905

Mortgage

Document Number	0000016546
Date	May 2, 2023
Instrument	2023R-016546

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 25, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 21, 2022
Property Address	305 FOREST ACRES DR, O FALLON, MO 63366-1905
Document Number	0000004343
Instrument Date	Jan 14, 2022
Instrument	2022R-004343
Transaction Type	Transfer
Record Updated	Feb 3, 2022
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 FOREST ACRES DR, 305, O FALLON, MO 63366-1905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 FOREST ACRES DR, O FALLON, MO 63366-1905

Mortgage

Document Number	0000004344
Date	Jan 21, 2022
Instrument	2022R-004344

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 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
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$72,509 (-)	$381,628 (-) Land $120,000 Building $261,628
2025	$4,303.00	$72,509 (+8.03%)	$381,628 (+8.03%) Land $120,000 Building $261,628
2023		$67,117
2022			$353,251 Land $120,000 Building $233,251

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	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.03% 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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