312 S Main St, O Fallon, MO 63366 Property Records

St. Charles County property record for 312 S Main St, O Fallon, MO 63366

Property Summary

Property Type	Commercial
Details	1,632 sqft · built 1997
Lot Size	0.77 acres (33,541 sqft)
Owner	Company Name on File
Last Sale	$1,439,944 (Jul 2022)
Tax Bill	$13,821 (2025)
Deeds & Mortgages	Jul 2022 Sale Sep 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A942000042`

Property Details

APN / Parcel Number

Primary APN	`A942000042`
Alternative APN	`2-056B-6937-00-0001.0000000`

Interior

Stories	1 Story
Building Area	1,632 sqft Gross Area
1st Floor Area	1,632 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	33,541 sqft (0.77 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	A942000042
Street Address	312 S MAIN ST
City	O FALLON
State	MO
Zip	63366-2868
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	AB2
Legal Description	HUCKS CORNER #2 LOT 1
Legal Subdivision	HUCKS CORNER #2
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1022
Census Tract	311602

Owner

312 S Main St, a commercial property, is owned by a company that bought it in July 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Company Name on File
Mailing Address	298 VANCE RD, VALLEY PARK, MO 63088-1586
Owner Type	Company
Vesting	Borrower in Default

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
Jul 13, 2022	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Sep 14, 2020	Special Warranty Deed, Construction Loan · Construction Mortgage BANKERS TRUST COMPANY NA
Nov 15, 2019	Warranty Deed, Transfer MSM-CAM FAMILY PTSHP LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2022 · Amount on File
Deed Sale	Jul 13, 2022 · Amount on File
Prior Sale	Sep 14, 2020 · Amount on File
Deed Document Number	202238915
Prior Transfer Date	Jul 2, 1997
Prior Transfer Doc	0000107540
Record Updated	Oct 29, 2026

July 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 13, 2022
Property Address	312 S MAIN ST, O FALLON, MO 63366-2868
Document Number	0000038915
Map Reference	MB 31 PG 140&141
Instrument Date	Jul 1, 2022
Instrument	2022R-038915
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 W MONROE ST # ST2050, 200, CHICAGO, IL 60606-5075

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5755 SUNMIST LN, YORBA LINDA, CA 92886-5540

September 2020: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 14, 2020
Property Address	312 S MAIN ST, O FALLON, MO 63366-2868
Document Number	0000067658
Map Reference	MB 31 PG 140&141
Instrument Date	Aug 13, 2020
Instrument	2020R-067658
Transaction Type	Construction Loan
Record Updated	Jul 28, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1619, MANCHESTER, MO 63011-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 N WACKER DR STE 1600, 1600, CHICAGO, IL 60606-1768

Mortgage

Document Number	0000067659
Date	Sep 14, 2020
Instrument	2020R-067659

Lender

Name	BANKERS TRUST COMPANY NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	239 Months
Due	Aug 14, 2040

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 15, 2019
Property Address	312 S MAIN ST, O FALLON, MO 63366-2868
Document Number	0071820696
Book / Page	007182 / 000696
Instrument Date	Nov 6, 2019
Instrument	653670
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1619 BALLWIN MO 630111319, BALLWIN, MO 63011-1319

Mortgage

Document Number	71820698
Date	Nov 15, 2019
Book Page	007182/000698
Instrument	653680

Lender

Name	MSM-CAM FAMILY PTSHP LTD
Address	4900 N SCOTTSDALE RD # 3700, SCOTTSDALE, AZ 85251-7681

Agreement

Amount	Amount on Record
Term	60 Months
Due	Nov 14, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 312 S Main St was $13,821.

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		$200,682 (-)	$627,129 (-) Land $176,090 Building $451,039
2025	$13,821.00	$200,682	$627,129 Land $176,090 Building $451,039
2023		$188,683
2022			$589,637 Land $176,090 Building $413,547

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 312 S Main St in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1981.

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	23 (1981–2022)
Claims Outside the SFHA	2 of 23
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 3 claims Severe Storms & Flooding, Aug 1993 · 8 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

The area around 312 S Main St 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.

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

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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