St. Charles County property record for 31 Lace Bark Ct, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,975 sqft · built 1998 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $535,000 (Jan 2026) |
| Tax Bill | $5,255 (2025) |
| Deeds & Mortgages | Dec 2024 Second Mortgage Jan 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A982000489 |
| Primary APN | A982000489 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,975 sqft Living Area |
| Gross Area | 4,775 sqft |
| 1st Floor Area | 1,509 sqft |
| Basement Area | 1,441 sqft |
| Finished Basement | 1,081 sqft |
| Unfinished Basement | 360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 114 sqft |
| Patio Area | 100 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A982000489 |
|---|---|
| Street Address | 31 LACE BARK CT |
| City | O FALLON |
| State | MO |
| Zip | 63368-6628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS AT HUTCHINGS FARM #1 LOT 52 |
| Legal Subdivision | VLGS AT HUTCHINGS FARM #1 |
| Legal Lot Number | 52 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 311735 |
31 Lace Bark Ct is owned and occupied by an individual who bought it in January 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31 LACE BARK CT, O FALLON, MO 63368-6628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 17, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOGETHER CU |
| Jan 8, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2026 · Amount on File |
| Deed Sale | Jan 8, 2026 · Amount on File |
| Prior Sale | Aug 20, 1998 · Amount on File |
| Deed Document Number | 20261206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 31 LACE BARK CT, O FALLON, MO 63368-6628 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 31 LACE BARK CT, O FALLON, MO 63368-6628 |
| Document Number | 0000052798 |
|---|---|
| Date | Dec 17, 2024 |
| Instrument | 2024R-052798 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 9, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 8, 2026 |
| Property Address | 31 LACE BARK CT, O FALLON, MO 63368-6628 |
| Document Number | 0000001206 |
| Map Reference | MB 34 PG 182 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 2026R-001206 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 936 SW 1ST AVE881, AVE881, MIAMI, FL 33130 |
| Name | Verified Name |
|---|---|
| Address | 31 LACE BARK CT, O FALLON, MO 63368-6628 |
| Document Number | 0000001207 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 2026R-001207 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
The 2025 property tax bill for 31 Lace Bark Ct was $5,255.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $82,007 (-) | $431,617 (-) Land $75,000 Building $356,617 | |
| 2025 | $5,255.00 | $82,007 | $431,617 Land $75,000 Building $356,617 |
| 2023 | $75,859 | ||
| 2022 | $399,257 Land $55,000 Building $344,257 |
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.
FEMA maps place 31 Lace Bark Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 3 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
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.
The area around 31 Lace Bark Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 520 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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