322 School St, O Fallon, MO 63366 Property Records

St. Charles County property record for 322 School St, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,160 sqft · built 1949
Lot Size	0.168 acres (7,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Feb 2025)
Tax Bill	$2,009 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202410A000`

Property Details

APN / Parcel Number

Primary APN	`202410A000`
Alternative APN	`2-057A-S029-00-0060.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,160 sqft Living Area
Gross Area	1,576 sqft
1st Floor Area	1,160 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,300 sqft (0.168 acres)
Lot Dimensions	100 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	202410A000
Street Address	322 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	60
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 September 10, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	322 SCHOOL ST, O FALLON, MO 63366-2825
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Aug 2, 2022	Warranty Deed, Transfer SELECT TITLE GROUP
Jul 25, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2025 · Amount on Record
Deed Sale	Feb 26, 2025 · Amount on Record
Prior Sale	Aug 2, 2022 · Amount on Record
Deed Document Number	20257531
Prior Transfer Date	Jul 22, 2022
Prior Transfer Doc	0000041065
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	322 SCHOOL ST, O FALLON, MO 63366-2825
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

Mortgage

Document Number	0000012021
Date	Mar 31, 2023
Instrument	2023R-012021

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Apr 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	Other
Margin	3
Max Rate	11.2%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 2, 2022
Property Address	322 SCHOOL ST, O FALLON, MO 63366-2825
Document Number	0000042770
Instrument Date	Jul 28, 2022
Instrument	2022R-042770
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 SCHOOL ST, O FALLON, MO 63366-2825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SCHOOL ST, O FALLON, MO 63366-2825

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 25, 2022
Property Address	322 SCHOOL ST, O FALLON, MO 63366-2825
Document Number	0000041066
Instrument Date	Jul 22, 2022
Instrument	2022R-041066
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2290 S ONEIDA ST # ST109, ST109, DENVER, CO 80224-2541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 N BRENTWOOD BLVD STE 204, 204, CLAYTON, MO 63105-3746
Investor	Possibly a Property Investor

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		$30,953 (-)	$162,911 (-) Land $33,000 Building $129,911
2025	$2,009.00	$30,953 (+115.88%)	$162,911 (+115.88%) Land $33,000 Building $129,911
2023		$14,338
2022			$75,465 Land $25,000 Building $50,465

Assessed value is set for property tax purposes, not a market price estimate; it is 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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