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

St. Charles County property record for 352 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,070 sqft · built 2001
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Trust Names on Record
Tax Bill	$5,644 (2025)
Deeds & Mortgages	Jul 2026 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T000300267`

Property Details

APN / Parcel Number

Primary APN	`T000300267`
Alternative APN	`2-0050-8094-00-0016.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,070 sqft Living Area
Gross Area	5,252 sqft
1st Floor Area	2,270 sqft
Basement Area	2,252 sqft
Finished Basement	800 sqft
Unfinished Basement	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	21,344 sqft (0.49 acres)
Garage Type	Attached
Garage Area	730 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft
Patio Area	430 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T000300267
Street Address	352 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 16
Legal Subdivision	ST DOMINIC EST
Legal Lot Number	16
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3008
Census Tract	311802

Owner

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

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

Owner of Record	2 Trust Names on Record
Mailing Address	352 SAINT GEMMA DR, O FALLON, MO 63366-2182
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Oct 28, 2020	Deed of Trust, Mortgage CENTRAL BK/BRANSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2018
Deed Sale	Jun 4, 2018
Prior Sale	Jun 25, 2001 · Amount on Record
Deed Document Number	2018308400
Deed Book / Page	6928 / 1527
Last Transfer Date	Jul 15, 2026
Transfer Doc	0000036251
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2026
Property Address	352 SAINT GEMMA DR, O FALLON, MO 63366-2182
Document Number	0000036251
Instrument Date	Jul 15, 2026
Instrument	202636251
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	352 SAINT GEMMA DR, O FALLON, MO 63366-2182

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	352 SAINT GEMMA DR, O FALLON, MO 63366-2182
Document Number	0000085153
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	352 SAINT GEMMA DR O FALLON MO 633662182, O FALLON, MO 63366-2182

Mortgage

Document Number	0000085153
Date	Nov 4, 2020
Instrument	85153

Lender

Name	CENTRAL BK/BRANSON
Address	BRANSON, MO 65615-0130

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 3, 2035

Interest

Rate Type	Adjustable Rate
Rate	4%

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		$88,131 (-)	$463,849 (-) Land $80,000 Building $383,849
2025	$5,644.00 (+22.7%)	$88,131 (+11.93%)	$463,849 (+11.93%) Land $80,000 Building $383,849
2023		$78,738 (+21.47%)
2022	$4,600.00	$64,823	$414,413 (+21.47%) Land $55,000 Building $359,413
2021			$341,172 Land $50,000 Building $291,172

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

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 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.03% 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 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.

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