4 2nd Governor Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 4 2nd Governor Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,138 sqft · built 1989
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Oct 2006)
Tax Bill	$4,557 (2024)
Deeds & Mortgages	Mar 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`A902000377`

Property Details

APN / Parcel Number

Primary APN	`A902000377`
Alternative APN	`2-113A-6505-00-006I.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,138 sqft Living Area
Gross Area	4,610 sqft
1st Floor Area	2,138 sqft
Basement Area	2,072 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A902000377
Street Address	4 2ND GOVERNOR CT
City	O FALLON
State	MO
Zip	63368-8234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN CHIMNEYS VLG I THORN HILL LOT 6I
Legal Subdivision	TWIN CHIMNEYS VLG I THORN HILL
Legal Lot Number	6I
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1008
Census Tract	311154

Owner

4 2nd Governor Ct is owned and occupied by an individual who bought it in October 2006.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	4 2ND GOVERNOR CT, O FALLON, MO 63368-8234
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2006 · Amount on File
Deed Sale	Oct 18, 2006 · Amount on File
Deed Document Number	2006896740
Deed Book / Page	4603 / 1619
Prior Transfer Date	Apr 3, 2006
Prior Transfer Doc	0044562441
Record Updated	Oct 29, 2026

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	4 2ND GOVERNOR CT, O FALLON, MO 63368-8234
Document Number	0069071947
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 2ND GOVERNOR CT O FALLON MO 633688234, O FALLON, MO 63368-8234
Investor	Possibly a Property Investor

Mortgage

Document Number	0069071947
Date	Apr 20, 2018
Book Page	006907/001947
Instrument	214810

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount on Record
Term	480 Months
Due	Apr 19, 2058

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

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		$63,450 (-)	$333,945 (-) Land $65,000 Building $268,945
2025		$63,450	$333,945 Land $65,000 Building $268,945
2024	$4,557.00
2023		$68,999
2022			$363,152 Land $45,000 Building $318,152

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 4 2nd Governor Ct 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 6 (20% premium discount)
Nearby Flood Policies	2 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

The area around 4 2nd Governor 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 267 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20