St. Charles County property record for 398 Saint Gemma Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,246 sqft · built 2004 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,396 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T020300123 |
| Primary APN | T020300123 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,246 sqft Living Area |
| Gross Area | 5,176 sqft |
| 1st Floor Area | 2,246 sqft |
| Basement Area | 2,246 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Attached |
| Garage Area | 684 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 128 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T020300123 |
|---|---|
| Street Address | 398 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 171 |
| Legal Subdivision | VLGS AT WALDEN POND #4 |
| Legal Lot Number | 171 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311802 |
398 Saint Gemma Dr is owned and occupied by two individuals who acquired it in September 2021.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 398 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.
| Date | Document |
|---|---|
| Dec 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION |
| Apr 11, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2021 |
| Deed Sale | Sep 24, 2021 |
| Prior Sale | Mar 18, 2009 · Amount on File |
| Deed Document Number | 202179982 |
| Prior Transfer Date | Mar 12, 2009 |
| Prior Transfer Doc | 0051420214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 398 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 398 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| Document Number | 0000098290 |
|---|---|
| Date | Dec 3, 2021 |
| Instrument | 2021R-098290 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 398 SAINT GEMMA DR, O FALLON, MO 63366-2182 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067251666 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 6725/1666 |
| Instrument | 20170411000214930 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 16, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 398 Saint Gemma Dr was $5,396, up 5.7% from the year before.
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 | $84,229 (-) | $443,311 (-) Land $80,000 Building $363,311 | |
| 2025 | $5,396.00 (+5.66%) | $84,229 | $443,311 Land $80,000 Building $363,311 |
| 2024 | $5,107.00 | ||
| 2023 | $77,397 | ||
| 2022 | $407,354 Land $55,000 Building $352,354 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 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 398 Saint Gemma Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 | 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 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures