357 Prairie Heritage Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 357 Prairie Heritage Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,538 sqft · built 1998
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Jul 2023)
Tax Bill	$5,188 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A972001848`

Property Details

APN / Parcel Number

Primary APN	`A972001848`
Alternative APN	`2-0126-7633-00-0117.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,538 sqft Living Area
Gross Area	4,629 sqft
1st Floor Area	1,317 sqft
Basement Area	1,293 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	798 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	185 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972001848
Street Address	357 PRAIRIE HERITAGE DR
City	O FALLON
State	MO
Zip	63368-7204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT DARDENNE BATES VLG LOT 117
Legal Subdivision	VLGS AT DARDENNE BATES VLG
Legal Lot Number	117
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	2
Census Block	2002
Census Tract	311732

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	357 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jun 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUILD MORTGAGE CO
Jul 12, 2023	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Dec 7, 2020	Deed of Trust, Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Sale	Dec 26, 2018 · Amount on Record
Deed Document Number	202327475
Prior Transfer Date	Feb 1, 2013
Prior Transfer Doc	0000108740
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	357 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204

Mortgage

Document Number	0000009534
Date	Mar 2, 2026
Instrument	2026R-009534

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2046

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	357 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204

Mortgage

Document Number	0000023368
Date	Jun 16, 2023
Instrument	2023R-023368

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Jan 1, 2024

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 12, 2023
Property Address	357 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204
Document Number	0000027475
Map Reference	MB 33 PG 352
Instrument Date	Jul 6, 2023
Instrument	2023R-027475
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3332 CARRIAGE XING, SAINT CHARLES, MO 63301-3220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204

Mortgage

Document Number	0000027476
Date	Jul 12, 2023
Instrument	2023R-027476

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	357 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204
Document Number	0000097895
Instrument Date	Dec 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	357 PRAIRIE HERITAGE DR O FALLON MO 633687204, O FALLON, MO 63368-7204

Mortgage

Document Number	0000097895
Date	Dec 14, 2020
Instrument	97895

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2050

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		$80,955 (-)	$426,081 (-) Land $75,000 Building $351,081
2025	$5,188.00 (+23.35%)	$80,955 (+5.43%)	$426,081 (+5.43%) Land $75,000 Building $351,081
2023		$76,785 (+29.64%)
2022	$4,206.00	$59,229	$404,132 (+29.64%) Land $50,000 Building $354,132
2021			$311,732 Land $40,000 Building $271,732

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
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: i3 Broadband, Verizon.

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