38 Forest Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 38 Forest Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,360 sqft · built 1995
Lot Size	0.247 acres (10,744 sqft)
Owner	2 Individual Names on File
Last Sale	$140,900 (Oct 2013)
Tax Bill	$3,779 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`797820A000`

Property Details

APN / Parcel Number

Primary APN	`797820A000`
Alternative APN	`4-0053-4372-11-0005.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,360 sqft Living Area
Gross Area	3,125 sqft
1st Floor Area	1,328 sqft
Basement Area	1,232 sqft
Finished Basement	1,032 sqft
Unfinished Basement	200 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,744 sqft (0.247 acres)
Lot Dimensions	136 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	565 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	20 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	797820A000
Street Address	38 FOREST LN
City	O FALLON
State	MO
Zip	63366-3425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	OFALLON HILLS BLK 11 LOT 5
Legal Subdivision	OFALLON HILLS
Legal Block	11
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1003
Census Tract	311907

Owner

Source: St. Charles County assessment roll, as of August 13, 2025

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 File
Mailing Address	38 FOREST LN, O FALLON, MO 63366-3425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 22, 2013 · Amount on Record
Deed Sale	Oct 22, 2013 · Amount on Record
Deed Document Number	2013812640
Deed Book / Page	6109 / 2082
Prior Transfer Date	Oct 17, 2013
Prior Transfer Doc	0061092080
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	38 FOREST LN, O FALLON, MO 63366-3425
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 FOREST LN, O FALLON, MO 63366-3425

Mortgage

Document Number	0000047050
Date	Aug 25, 2022
Instrument	2022R-047050

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	38 FOREST LN, O FALLON, MO 63366-3425
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068602239
Date	Dec 29, 2017
Book Page	6860/2239
Instrument	20171229000803550

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,779.00 (+9.19%)	$59,118 (+12.31%)	$311,150 (+12.31%) Land $50,000 Building $261,150
2024	$3,461.00
2023		$52,638
2022			$277,042 Land $40,000 Building $237,042

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
Nearby Flood Claims	2 (1982–1983)
Most Recent Claim	Apr 1983 · rainfall accumulation

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	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
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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

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