316 School St, O Fallon, MO 63366 Property Records

St. Charles County property record for 316 School St, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,373 sqft · built 1952
Lot Size	0.41 acres (17,850 sqft)
Owner	Individual Name on Record
Last Sale	$137,100 (Sep 2009)
Tax Bill	$1,840 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`202590A000`

Property Details

APN / Parcel Number

Primary APN	`202590A000`
Alternative APN	`2-057A-S029-00-0058.0000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,373 sqft Living Area
Gross Area	2,429 sqft
1st Floor Area	1,373 sqft
Basement Area	1,056 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,850 sqft (0.41 acres)
Lot Dimensions	210 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	870 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	56 sqft
Deck Area	Deck Area
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	202590A000
Street Address	316 SCHOOL ST
City	O FALLON
State	MO
Zip	63366-2825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC4
Legal Description	PT NE NE 1/4
Legal Range	3
Legal Township	47
Legal Section	02
Legal Lot Number	58
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1003
Census Tract	311802

Owner

Source: St. Charles County records, as of August 13, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	316 SCHOOL ST, O FALLON, MO 63366-2825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 25, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 17, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 11, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2009 · Amount on Record
Deed Sale	Sep 4, 2009 · Amount on Record
Prior Sale	Aug 15, 2002 · Amount on Record
Deed Document Number	2009710650
Deed Book / Page	5260 / 1490
Prior Transfer Date	Aug 26, 2009
Prior Transfer Doc	0052601490
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	316 SCHOOL ST, O FALLON, MO 63366-2825
Transaction Type	Mortgage
Record Updated	Jan 4, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 SCHOOL ST, O FALLON, MO 63366-2825

Mortgage

Document Number	0000102408
Date	Dec 21, 2021
Instrument	2021R-102408

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	282 Months
Due	Jun 1, 2045

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	316 SCHOOL ST, O FALLON, MO 63366-2825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066901514
Date	Jan 25, 2017
Book Page	6690/1514
Instrument	20170125000052450

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	64212

Agreement

Type	VA Mortgage

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	316 SCHOOL ST, O FALLON, MO 63366-2825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067930106
Date	Aug 17, 2017
Book Page	6793/0106
Instrument	20170817000517720

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	KANSAS CITY, MO 64112

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Mar 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	316 SCHOOL ST, O FALLON, MO 63366-2825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071610576
Date	Oct 11, 2019
Book Page	7161/0576
Instrument	20191011000572760

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	307 Months
Due	May 1, 2045

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$1,840.00 (+4.31%)	$28,283 (+7.45%)	$148,860 (+7.46%) Land $39,600 Building $109,260
2024	$1,764.00
2023		$26,321
2022			$138,528 Land $30,000 Building $108,528

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
Nearby Flood Claims	2 (1979–1982)
Most Recent Claim	Dec 1982 · tidal / storm surge

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	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 234 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

May also be available: AT&T, Brightspeed, Wisper ISP.

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