3884 Gallo Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3884 Gallo Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,936 sqft · built 1989
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$271,000 (Aug 2020)
Tax Bill	$3,689 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870003314`

Property Details

APN / Parcel Number

Primary APN	`A870003314`
Alternative APN	`3-0040-6134-00-0384.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,936 sqft Living Area
1st Floor Area	1,048 sqft
Basement Area	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A870003314
Old Parcel Number	A870003314
Street Address	3884 GALLO DR
City	SAINT CHARLES
State	MO
Zip	63304-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS #2 LOT 384
Legal Range	04E
Legal Township	46N
Legal Subdivision	VINEYARDS #2
Legal Lot Number	384
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1000
Census Tract	311132

Owner

3884 Gallo Dr is owned and occupied by an individual who bought it in August 2020.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3884 GALLO DR, SAINT CHARLES, MO 63304-1411
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
Aug 26, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Apr 15, 2019	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2020 · Amount on File
Deed Sale	Aug 26, 2020 · Amount on File
Prior Sale	Apr 15, 2019
Deed Document Number	0073811477
Deed Book / Page	7381 / 1477
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 26, 2020
Property Address	3884 GALLO DR, SAINT CHARLES, MO 63304-1411
Document Number	0073811477
Book / Page	7381 / 1477
Map Reference	MB 26 PG 59
Instrument Date	Aug 25, 2020
Instrument	20200826000621100
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1208 BABLER PARK CT, 1208, WILDWOOD, MO 63005-6013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3884 GALLO DR, SAINT CHARLES, MO 63304-1411

Mortgage

Document Number	20200826000621110
Date	Aug 26, 2020
Instrument	20200826000621110

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 15, 2019
Property Address	3884 GALLO DR, SAINT CHARLES, MO 63304-1411
Document Number	0070590441
Book / Page	007059 / 000441
Instrument Date	Apr 11, 2019
Instrument	169080
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	US TITLE

Transaction

Amount	Amount 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
Address	3884 GALLO DR ST CHARLES MO 633041411, ST CHARLES, MO 63304-1411

Mortgage

Document Number	70590443
Date	Apr 15, 2019
Book Page	007059/000443
Instrument	169090

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3884 Gallo Dr was $3,689.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,689.00	$62,146	$327,083 Land $65,000 Building $262,083
2023		$59,095
2022			$311,028 Land $55,000 Building $256,028

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 3884 Gallo Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.

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 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 claims

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 3884 Gallo 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 80% of the US · lower than 84% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 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	None 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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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