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

St. Charles County property record for 370 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,108 sqft · built 2004
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Dec 2020)
Tax Bill	$5,136 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T020300109`

Property Details

APN / Parcel Number

Primary APN	`T020300109`
Alternative APN	`2-0050-8664-00-0157.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,108 sqft Living Area
Gross Area	4,278 sqft
1st Floor Area	1,528 sqft
Basement Area	1,488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	118 sqft
Deck Area	Deck Area
Patio Area	316 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300109
Street Address	370 SAINT GEMMA DR
City	O FALLON
State	MO
Zip	63366-2182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT WALDEN POND #4 LOT 157
Legal Subdivision	VLGS AT WALDEN POND #4
Legal Lot Number	157
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3008
Census Tract	311802

Owner

370 Saint Gemma Dr is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	370 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 3, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Dec 29, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2020 · Amount on File
Deed Sale	Dec 29, 2020 · Amount on File
Prior Sale	Dec 22, 2011 · Amount on File
Deed Document Number	2020102315
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	370 SAINT GEMMA DR, O FALLON, MO 63366-2182
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 SAINT GEMMA DR, O FALLON, MO 63366-2182

Mortgage

Document Number	0000053957
Date	Oct 3, 2022
Instrument	2022R-053957

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	370 SAINT GEMMA DR, O FALLON, MO 63366-2182
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 SAINT GEMMA DR, O FALLON, MO 63366-2182

Mortgage

Document Number	2021R077478
Date	Sep 16, 2021
Instrument	2021R-077478

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 29, 2020
Property Address	370 SAINT GEMMA DR, O FALLON, MO 63366-2182
Document Number	0000102315
Instrument Date	Dec 22, 2020
Instrument	102315
Transaction Type	Transfer
Record Updated	Mar 17, 2021
Title Company	TRUE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	370 SAINT GEMMA DR O FALLON MO 633662182, O FALLON, MO 63366-2182

Mortgage

Document Number	102316
Date	Dec 29, 2020
Instrument	102316

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CAREALLION, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 370 Saint Gemma Dr was $5,136.

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		$80,134 (-)	$421,758 (-) Land $80,000 Building $341,758
2025	$5,136.00	$80,134	$421,758 Land $80,000 Building $341,758
2023		$73,159
2022			$385,047 Land $55,000 Building $330,047

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 370 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 370 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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