St. Charles County property record for 396 Saint Gemma Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,330 sqft · built 2005 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $5,558 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T020300122 |
| Primary APN | T020300122 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,330 sqft Living Area |
| 1st Floor Area | 1,666 sqft |
| Basement Area | 1,626 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 20,909 sqft (0.48 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 129 sqft |
| Patio Area | 218 sqft |
| Sewer | Connected |
|---|
| Account Number | T020300122 |
|---|---|
| Old Parcel Number | T020300122 |
| Street Address | 396 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 170 |
| Legal Range | 03E |
| Legal Township | 47N |
| Legal Subdivision | VLGS AT WALDEN POND #4 |
| Legal Lot Number | 170 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311802 |
396 Saint Gemma Dr is owner-occupied and held in a trust since July 2016.
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 396 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2016 |
| Deed Sale | Jul 8, 2016 |
| Prior Sale | Aug 3, 2005 · Amount on File |
| Deed Document Number | 0006571335 |
| Deed Book / Page | 6571 / 335 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 396 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 396 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| Document Number | 0000072944 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 2020R-072944 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 18, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 396 Saint Gemma Dr was $5,558.
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $5,558.00 | $86,780 | $456,736 Land $80,000 Building $376,736 |
| 2023 | $80,396 | ||
| 2022 | $423,134 Land $55,000 Building $368,134 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 396 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 396 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures