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

St. Charles County property record for 386 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,436 sqft · built 2001
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on Record
Last Sale	$324,600 (Sep 2019)
Tax Bill	$5,714 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T020300541`

Property Details

APN / Parcel Number

Primary APN	`T020300541`
Alternative APN	`2-0050-8900-00-164A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,436 sqft Living Area
Gross Area	5,428 sqft
1st Floor Area	2,436 sqft
Basement Area	2,392 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	Deck Area
Patio Area	525 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300541
Street Address	386 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 BDRY ADJ LOTS 164-165 LOT 164A
Legal Subdivision	VLGS AT WALDEN POND #4 BDRY ADJ LOTS 164
Legal Lot Number	164A
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 September 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	386 SAINT GEMMA DR, O FALLON, MO 63366-2182
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jun 15, 2020	Deed of Trust, Mortgage ENDEAVOR CAP
Sep 19, 2019	Quit Claim Deed, Transfer · FHA Mortgage ENDEAVOR CAP
Apr 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2019 · Amount on Record
Deed Sale	Sep 19, 2019 · Amount on Record
Prior Sale	May 19, 2010 · Amount on Record
Deed Document Number	2019514240
Deed Book / Page	7145 / 1231
Last Transfer Date	Apr 11, 2025
Transfer Doc	0000028149
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	386 SAINT GEMMA DR, O FALLON, MO 63366-2182
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 SAINT GEMMA DR, O FALLON, MO 63366-2182

Mortgage

Document Number	2021R051464
Date	Jun 17, 2021
Instrument	2021R-051464

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	386 SAINT GEMMA DR, O FALLON, MO 63366-2182
Document Number	0073251835
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 SAINT GEMMA DR O FALLON MO 633662182, O FALLON, MO 63366-2182

Mortgage

Document Number	0073251835
Date	Jun 19, 2020
Book Page	007325/001835
Instrument	422570

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 19, 2019
Property Address	386 SAINT GEMMA DR, O FALLON, MO 63366-2182
Document Number	0071451231
Book / Page	007145 / 001231
Instrument Date	Sep 12, 2019
Instrument	514240
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	386 SAINT GEMMA DR O FALLON MO 633662182, O FALLON, MO 63366-2182

Mortgage

Document Number	71451234
Date	Sep 19, 2019
Book Page	007145/001234
Instrument	514250

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2017
Property Address	386 SAINT GEMMA DR, O FALLON, MO 63366-2182
Document Number	0067210811
Book / Page	006721 / 000811
Instrument Date	Mar 24, 2017
Instrument	195690
Transaction Type	Transfer
Record Updated	Apr 7, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 SAINT GEMMA DR O FALLON MO 633662182, O FALLON, MO 63366-2182

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		$89,231 (-)	$469,639 (-) Land $96,000 Building $373,639
2025	$5,714.00 (+9.51%)	$89,231 (+12.82%)	$469,639 (+12.82%) Land $96,000 Building $373,639
2024	$5,218.00
2023		$79,094
2022			$416,286 Land $66,000 Building $350,286

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 66% of the US · lower than 76% 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 108 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

May also be available: Verizon, Wisper ISP.

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