39 Lace Bark Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 39 Lace Bark Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,762 sqft · built 1998
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$339,900 (Dec 2020)
Tax Bill	$5,437 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`A982000493`

Property Details

APN / Parcel Number

Primary APN	`A982000493`
Alternative APN	`2-0066-7789-00-0056.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,762 sqft Living Area
Gross Area	5,412 sqft
1st Floor Area	2,390 sqft
Basement Area	2,352 sqft
Finished Basement	1,372 sqft
Unfinished Basement	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Masonry Veneer
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982000493
Street Address	39 LACE BARK CT
City	O FALLON
State	MO
Zip	63368-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT HUTCHINGS FARM #1 LOT 56
Legal Subdivision	VLGS AT HUTCHINGS FARM #1
Legal Lot Number	56
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2012
Census Tract	311735

Owner

39 Lace Bark Ct is owned and occupied by two individuals who acquired it in May 2024.

Source: St. Charles County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	39 LACE BARK CT, O FALLON, MO 63368-6628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage JUSTINE PETERSEN HSNG AND REINV
Oct 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage JUSTINE PETERSEN HSNG AND REINV
Nov 16, 2021	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Feb 3, 2021	Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU
Aug 27, 2020	Deed of Trust, Mortgage · VA Mortgage GERSHMAN MTG
Oct 1, 2018	Deed of Trust, Mortgage · VA Mortgage STIFEL BK&TR
Jul 26, 2018	Warranty Deed, Transfer · VA Mortgage STIFEL BK&TR

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	Jul 26, 2018 · Amount on File
Deed Document Number	2020102524
Last Transfer Date	May 24, 2024
Transfer Doc	0000020478
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 28, 2026
Property Address	39 LACE BARK CT, O FALLON, MO 63368-6628
Document Number	0000046119
Instrument Date	Sep 22, 2026
Instrument	202646119
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LACE BARK CT, O FALLON, MO 63368-6628

Mortgage

Document Number	0000046119,
Date	Sep 28, 2026
Instrument	202646119

Lender

Name	JUSTINE PETERSEN HSNG AND REINV

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 15, 2031

Interest

Max Rate	-1%

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Oct 1, 2026
Property Address	39 LACE BARK CT, O FALLON, MO 63368-6628
Document Number	0000046694
Instrument Date	Sep 22, 2026
Instrument	202646694
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LACE BARK CT, O FALLON, MO 63368-6628

Mortgage

Document Number	0000046694,
Date	Oct 1, 2026
Instrument	202646694

Lender

Name	JUSTINE PETERSEN HSNG AND REINV

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 15, 2031

Interest

Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	39 LACE BARK CT, O FALLON, MO 63368-6628
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LACK BANK CT, DARDENNE, MO 63368

Mortgage

Document Number	2021R094066
Date	Nov 16, 2021
Instrument	2021R-094066

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64116

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	39 LACE BARK CT, O FALLON, MO 63368-6628
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LACE BARK CT, O FALLON, MO 63368-6628

Mortgage

Document Number	2021R010552
Date	Feb 3, 2021
Instrument	2021R-010552

Lender

Name	NEIGHBORS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 2, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	39 LACE BARK CT, O FALLON, MO 63368-6628
Document Number	0000102525
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LACE BARK CT O FALLON MO 633686628, O FALLON, MO 63368-6628

Mortgage

Document Number	0000102525
Date	Dec 29, 2020
Instrument	102525

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	39 LACE BARK CT, O FALLON, MO 63368-6628
Document Number	0069841750
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LACE BARK CT O FALLON MO 633686628, O FALLON, MO 63368-6628

Mortgage

Document Number	0069841750
Date	Oct 1, 2018
Book Page	006984/001750
Instrument	562330

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount on Record

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 26, 2018
Property Address	39 LACE BARK CT, O FALLON, MO 63368-6628
Document Number	0069531839
Book / Page	006953 / 001839
Instrument Date	Jul 16, 2018
Instrument	422590
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	OTHER

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
Relationship	Joint Tenants with Right of Survivorship
Address	39 LACE BARK CT O FALLON MO 633686628, O FALLON, MO 63368-6628

Mortgage

Document Number	69531841
Date	Jul 26, 2018
Book Page	006953/001841
Instrument	422600

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 39 Lace Bark Ct was $5,437, down 5% 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
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		$85,322 (+0.53%)	$449,063 (+0.53%) Building $449,063
2025	$5,437.00 (-5.05%)	$84,872	$446,693 Building $446,693
2024	$5,726.00
2023		$86,850
2022			$457,105 Land $55,000 Building $402,105

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 39 Lace Bark Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	3 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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

The area around 39 Lace Bark Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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