St. Charles County property record for 394 Saint Gemma Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,528 sqft · built 2005 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Dec 2004) |
| Tax Bill | $4,331 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T020300121 |
| Primary APN | T020300121 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| Gross Area | 3,818 sqft |
| 1st Floor Area | 1,528 sqft |
| Basement Area | 1,510 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Type | Attached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 36 sqft |
| Patio Area | 336 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T020300121 |
|---|---|
| Street Address | 394 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 LOT 169 |
| Legal Subdivision | VLGS AT WALDEN POND #4 |
| Legal Lot Number | 169 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311802 |
394 Saint Gemma Dr is owned and occupied by two individuals who bought it in December 2004.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 394 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2004 · Amount on File |
| Deed Sale | Dec 16, 2004 · Amount on File |
| Deed Document Number | 20041195280 |
| Deed Book / Page | 4054 / 2443 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 394 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 394 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| Document Number | 0000037664 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021R-037664 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 8, 2051 |
The 2025 property tax bill for 394 Saint Gemma Dr was $4,331.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $67,469 (-) | $355,098 (-) Land $80,000 Building $275,098 | |
| 2025 | $4,331.00 | $67,469 | $355,098 Land $80,000 Building $275,098 |
| 2023 | $62,874 | ||
| 2022 | $330,918 Land $55,000 Building $275,918 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 394 Saint Gemma Dr in Zone X, an area of minimal flood risk.
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 risk around 394 Saint Gemma 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 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.
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 |
| 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.
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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