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

St. Charles County property record for 358 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,833 sqft · built 1999
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jul 2005)
Tax Bill	$5,490 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T000300268`

Property Details

APN / Parcel Number

Primary APN	`T000300268`
Alternative APN	`2-0050-8094-00-0017.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,833 sqft Living Area
Gross Area	4,419 sqft
1st Floor Area	1,299 sqft
Basement Area	1,215 sqft
Finished Basement	319 sqft
Unfinished Basement	896 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	50 sqft
Deck Area	Deck Area
Patio Area	412 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T000300268
Street Address	358 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 17
Legal Subdivision	ST DOMINIC EST
Legal Lot Number	17
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3008
Census Tract	311802

Owner

358 Saint Gemma Dr is owned and occupied by two individuals who bought it in July 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	358 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2005 · Amount on File
Deed Sale	Jul 19, 2005 · Amount on File
Prior Sale	Dec 3, 1999 · Amount on File
Deed Document Number	2005654150
Deed Book / Page	4233 / 1380
Prior Transfer Date	Jun 29, 2005
Prior Transfer Doc	0042331378
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	358 SAINT GEMMA DR, O FALLON, MO 63366-2182
Document Number	0073150753
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	358 SAINT GEMMA DR O FALLON MO 633662182, O FALLON, MO 63366-2182

Mortgage

Document Number	0073150753
Date	Jun 9, 2020
Book Page	007315/000753
Instrument	384050

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 358 Saint Gemma Dr was $5,490, up 7.7% from the year before.

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		$85,709 (-)	$451,101 (-) Land $80,000 Building $371,101
2025	$5,490.00 (+7.67%)	$85,709	$451,101 Land $80,000 Building $371,101
2024	$5,099.00
2023		$77,270
2022			$406,683 Land $55,000 Building $351,683

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 358 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 358 Saint Gemma Dr is low, with a 0.03% annual chance of 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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