306 Estate Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 306 Estate Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,161 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Trust Names on File
Last Sale	$369,900 (Oct 2025)
Tax Bill	$3,560 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`A982000952`

Property Details

APN / Parcel Number

Primary APN	`A982000952`
Alternative APN	`2-0098-7816-00-0133.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,161 sqft Living Area
Gross Area	3,263 sqft
1st Floor Area	1,466 sqft
Basement Area	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	121 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982000952
Street Address	306 ESTATE DR
City	O FALLON
State	MO
Zip	63366-4380
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	HIGHGROVE PL #2 LOT 133
Legal Subdivision	HIGHGROVE PL #2
Legal Lot Number	133
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2000
Census Tract	311604

Owner

306 Estate Dr is owner-occupied and held in a trust since October 2025.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	2 Trust Names on File
Mailing Address	306 ESTATE DR, O FALLON, MO 63366-4380
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Personal Representative Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 14, 2025	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on File
Deed Sale	Oct 14, 2025 · Amount on File
Prior Sale	Oct 14, 2025 · Amount on File
Deed Document Number	202545582
Record Updated	Oct 29, 2026

October 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2025
Property Address	306 ESTATE DR, O FALLON, MO 63366-4380
Document Number	0000045582
Map Reference	MB 34 PG 226
Instrument Date	Oct 6, 2025
Instrument	2025R-045582
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	306 ESTATE DR, O FALLON, MO 63366-4380

Mortgage

Document Number	0000045583
Date	Oct 14, 2025
Instrument	2025R-045583

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.8%

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2025
Property Address	306 ESTATE DR, O FALLON, MO 63366-4380
Document Number	0000045581
Map Reference	MB 34 PG 226
Instrument Date	Oct 4, 2025
Instrument	2025R-045581
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 306 Estate Dr was $3,560.

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		$55,354 (-)	$291,336 (-) Land $65,000 Building $226,336
2025	$3,560.00	$55,354	$291,336 Land $65,000 Building $226,336
2023		$52,586
2022			$276,767 Land $50,000 Building $226,767

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

FEMA maps place 306 Estate Dr in Zone X, an area of minimal flood risk.

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 6 (20% 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

Wildfire risk around 306 Estate Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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	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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

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