St. Charles County property record for 397 White Chapel Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,592 sqft · built 1995 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,683 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A923000191 |
| Primary APN | A923000191 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,592 sqft Living Area |
| Gross Area | 3,647 sqft |
| 1st Floor Area | 1,592 sqft |
| Basement Area | 1,549 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | Deck Area |
| Patio Area | 446 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A923000191 |
|---|---|
| Street Address | 397 WHITE CHAPEL DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-8021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARRIAGE HILLS #3 LOT 199 |
| Legal Subdivision | CARRIAGE HILLS #3 |
| Legal Lot Number | 199 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 311151 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 397 WHITE CHAPEL DR, O FALLON, MO 63368-8021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2016 |
| Deed Sale | Oct 17, 2016 |
| Deed Document Number | 2016694480 |
| Deed Book / Page | 6633 / 240 |
| Prior Transfer Date | Sep 29, 2016 |
| Prior Transfer Doc | 0000694480 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 397 WHITE CHAPEL DR, O FALLON, MO 63368-8021 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 397 WHITE CHAPEL DR, O FALLON, MO 63368-8021 |
| Investor | Possibly a Property Investor |
| Document Number | 0000081367 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 2021R-081367 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $60,402 (-) | $317,908 (-) Land $65,000 Building $252,908 | |
| 2025 | $3,683.00 (+24.89%) | $60,402 (+18.79%) | $317,908 (+18.79%) Land $65,000 Building $252,908 |
| 2023 | $50,849 (+17.03%) | ||
| 2022 | $2,949.00 | $43,451 | $267,628 (+17.03%) Land $65,000 Building $202,628 |
| 2021 | $228,688 Land $55,000 Building $173,688 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1986–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2003 · river or lake flooding |
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.
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | 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 |
| 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 117 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 |
| AT&T DSL | 100 / 20 |
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