320 Birmingham Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 320 Birmingham Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,870 sqft · built 1990
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$359,900 (Sep 2025)
Tax Bill	$3,743 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A912000086`

Property Details

APN / Parcel Number

Primary APN	`A912000086`
Alternative APN	`2-057A-6631-00-0075.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,870 sqft Living Area
Gross Area	3,685 sqft
1st Floor Area	1,615 sqft
Basement Area	1,586 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A912000086
Street Address	320 BIRMINGHAM DR
City	O FALLON
State	MO
Zip	63366-7412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE #3 LOT 75
Legal Subdivision	WESTRIDGE #3
Legal Lot Number	75
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2000
Census Tract	311802

Owner

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

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	320 BIRMINGHAM DR, O FALLON, MO 63366-7412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Sep 24, 2025	Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP
Jun 6, 2022	Special Warranty Deed, Transfer · VA Mortgage COMMERCE BANK
Aug 25, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	202542229
Prior Transfer Date	Jul 16, 2020
Prior Transfer Doc	0073801657
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	320 BIRMINGHAM DR, O FALLON, MO 63366-7412
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042488
Date	Sep 25, 2025
Instrument	2025R-042488

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 24, 2025
Property Address	320 BIRMINGHAM DR, O FALLON, MO 63366-7412
Document Number	0000042229
Map Reference	MB 30 PG 59
Instrument Date	Sep 19, 2025
Instrument	2025R-042229
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	SELECT TITLE GROUP

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2034 LANDON LN, CHARLOTTESVILLE, VA 22911-7417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 BIRMINGHAM DR, O FALLON, MO 63366-7412

Mortgage

Document Number	0000042230
Date	Sep 24, 2025
Instrument	2025R-042230

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 6, 2022
Property Address	320 BIRMINGHAM DR, O FALLON, MO 63366-7412
Document Number	0000031657
Map Reference	MB 30 PG 59
Instrument Date	May 31, 2022
Instrument	2022R-031657
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	206 JORDAN RD, 206, OLD MONROE, MO 63369-2607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 BIRMINGHAM DR, O FALLON, MO 63366-7412
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031656
Date	Jun 6, 2022
Instrument	2022R-031656

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 25, 2020
Property Address	320 BIRMINGHAM DR, O FALLON, MO 63366-7412
Document Number	0073801657
Book / Page	007380 / 001657
Instrument Date	Jul 16, 2020
Instrument	617870
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	320 BIRMINGHAM DR O FALLON MO 633667412, O FALLON, MO 63366-7412

Tax Assessment & Valuation

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		$58,227 (-)	$306,458 (-) Land $60,000 Building $246,458
2025	$3,743.00 (+5.73%)	$58,227 (+8.93%)	$306,458 (+8.92%) Land $60,000 Building $246,458
2024	$3,540.00
2023		$53,456
2022			$281,349 Land $45,000 Building $236,349

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2015)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 299 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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