3899 Gallo Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3899 Gallo Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,048 sqft · built 1987
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$162,500 (Jan 2021)
Tax Bill	$4,057 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870003292`

Property Details

APN / Parcel Number

Primary APN	`A870003292`
Alternative APN	`3-0040-6134-00-0362.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,048 sqft Living Area
Gross Area	3,726 sqft
1st Floor Area	1,137 sqft
Basement Area	1,061 sqft
Finished Basement	950 sqft
Unfinished Basement	111 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870003292
Street Address	3899 GALLO DR
City	SAINT CHARLES
State	MO
Zip	63304-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS #2 LOT 362
Legal Subdivision	VINEYARDS #2
Legal Lot Number	362
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1000
Census Tract	311132

Owner

3899 Gallo Dr is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3899 GALLO DR, SAINT CHARLES, MO 63304-1410
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	Jan 20, 2021 · Amount on File
Deed Sale	Jan 20, 2021 · Amount on File
Deed Document Number	20215652
Prior Transfer Date	Nov 21, 2003
Prior Transfer Doc	0001666000
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 20, 2021
Property Address	3899 GALLO DR, SAINT CHARLES, MO 63304-1410
Document Number	0000005652
Instrument Date	Jan 13, 2021
Instrument	5652
Transaction Type	Transfer
Record Updated	Mar 31, 2021
Title Company	ALLIANCE NATIONWIDE TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3899 GALLO DR ST CHARLES MO 633041410, ST CHARLES, MO 63304-1410

Mortgage

Document Number	5653
Date	Jan 20, 2021
Instrument	5653

Lender

Name	MORTGAGE SOLUTIONS/ST LOUIS
Type	Mortgage Company
Address	FLINT, MI 48501-2026

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 19, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3899 Gallo Dr was $4,057, up 13.2% 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
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$68,386 (-)	$359,927 (-) Land $65,000 Building $294,927
2025	$4,057.00 (+13.2%)	$68,386	$359,927 Land $65,000 Building $294,927
2024	$3,584.00
2023		$59,973
2022			$315,648 Land $55,000 Building $260,648

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 3899 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 3899 Gallo Dr is low, with a 0.02% 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	0.02% 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	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