317 Estate Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 317 Estate Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,580 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$349,900 (Sep 2021)
Tax Bill	$4,781 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A982001062`

Property Details

APN / Parcel Number

Primary APN	`A982001062`
Alternative APN	`2-0098-7816-00-0243.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,580 sqft Living Area
Gross Area	4,584 sqft
1st Floor Area	1,617 sqft
Basement Area	1,605 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	240 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982001062
Street Address	317 ESTATE DR
City	O FALLON
State	MO
Zip	63366-4381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	HIGHGROVE PL #2 LOT 243
Legal Subdivision	HIGHGROVE PL #2
Legal Lot Number	243
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2004
Census Tract	311604

Owner

317 Estate Dr is owned and occupied by two individuals who bought it in September 2021.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	317 ESTATE DR, O FALLON, MO 63366-4381
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 22, 2021	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Mar 10, 2020	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 22, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2021 · Amount on File
Deed Sale	Sep 22, 2021 · Amount on File
Prior Sale	Mar 10, 2020 · Amount on File
Deed Document Number	202179549
Prior Transfer Date	Dec 10, 2014
Prior Transfer Doc	0062801544
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 22, 2021
Property Address	317 ESTATE DR, O FALLON, MO 63366-4381
Document Number	2021R079549
Map Reference	MB 34 PG 226-228
Instrument Date	Sep 14, 2021
Instrument	2021R-079549
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	317 ESTATE DR, 317, O FALLON, MO 63366-4381

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	317 ESTATE DR, O FALLON, MO 63366-4381

Mortgage

Document Number	2021R079550
Date	Sep 22, 2021
Instrument	2021R-079550

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 10, 2020
Property Address	317 ESTATE DR, O FALLON, MO 63366-4381
Document Number	0072451282
Book / Page	7245 / 1282
Map Reference	MB 34 PG 226-228
Instrument Date	Mar 6, 2020
Instrument	20200310000146380
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 ESTATE DR, O FALLON, MO 63366-4381

Mortgage

Document Number	20200310000146390
Date	Mar 10, 2020
Instrument	20200310000146390

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 22, 2018
Property Address	317 ESTATE DR, O FALLON, MO 63366-4381
Document Number	0068820309
Book / Page	006882 / 000309
Instrument Date	Feb 13, 2018
Instrument	94790
Transaction Type	Foreclosure
Record Updated	Mar 1, 2018

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 317 Estate Dr was $4,781, up 5.5% from the year before.

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		$74,549 (-)	$392,362 (-) Land $65,000 Building $327,362
2025	$4,781.00 (+5.49%)	$74,549	$392,362 Land $65,000 Building $327,362
2024	$4,532.00
2023		$68,616
2022			$361,138 Land $50,000 Building $311,138

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 317 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 317 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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