322 Saint Gemma Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 322 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,632 sqft · built 2001
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$182,792 (Jun 2001)
Tax Bill	$5,478 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T000300262`

Property Details

APN / Parcel Number

Primary APN	`T000300262`
Alternative APN	`2-0050-8094-00-0011.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,632 sqft Living Area
Gross Area	4,342 sqft
1st Floor Area	1,342 sqft
Basement Area	1,290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	653 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T000300262
Street Address	322 SAINT GEMMA DR
City	O FALLON
State	MO
Zip	63366-2182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST DOMINIC EST LOT 11
Legal Subdivision	ST DOMINIC EST
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3008
Census Tract	311802

Owner

322 Saint Gemma Dr is owned and occupied by two individuals who bought it in June 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	322 SAINT GEMMA DR, O FALLON, MO 63366-2182
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit VANTAGE CU
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ENDEAVOR CAPITAL LLC
Sep 17, 2019	Deed of Trust, Mortgage VANTAGE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2001 · Amount on File
Deed Sale	Jun 4, 2001 · Amount on File
Deed Document Number	200144067
Deed Book / Page	2585 / 1667
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	322 SAINT GEMMA DR, O FALLON, MO 63366-2182
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SAINT GEMMA DR, O FALLON, MO 63366-2182

Mortgage

Document Number	0000041766
Date	Oct 11, 2023
Instrument	2023R-041766

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	322 SAINT GEMMA DR, O FALLON, MO 63366-2182
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SAINT GEMMA DR, O FALLON, MO 63366-2182

Mortgage

Document Number	0000007361
Date	Feb 7, 2022
Instrument	2022R-007361

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2032

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	322 SAINT GEMMA DR, O FALLON, MO 63366-2182
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071432048
Date	Sep 17, 2019
Book Page	7143/2048
Instrument	20190917000507930

Lender

Name	VANTAGE CU
Type	Credit Union
Address	BRIDGETON, MO 63044

Agreement

Amount	Amount on Record
Term	72 Months
Due	Sep 1, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 322 Saint Gemma Dr was $5,478.

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		$85,524 (-)	$450,126 (-) Land $80,000 Building $370,126
2025	$5,478.00	$85,524	$450,126 Land $80,000 Building $370,126
2023		$77,867
2022			$409,825 Land $55,000 Building $354,825

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 322 Saint Gemma 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 9 (5% 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 322 Saint Gemma 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 97% of the US · lower than 95% 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 338 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

Nearby Properties on Saint Gemma Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures