4 Laws Pass, O Fallon, MO 63366 Property Records

St. Charles County property record for 4 Laws Pass, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,256 sqft · built 2002
Lot Size	0.289 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,000 (Aug 2005)
Tax Bill	$5,192 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T010300557`

Property Details

APN / Parcel Number

Primary APN	`T010300557`
Alternative APN	`2-0104-8636-00-0170.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,256 sqft Living Area
1st Floor Area	1,836 sqft
Basement Area	1,420 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2002
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	12,632 sqft (0.289 acres)
Terrain	Rolling
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	45 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T010300557
Old Parcel Number	T010300557
Street Address	4 LAWS PASS
City	O FALLON
State	MO
Zip	63366-4471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSSINGS VLG C #2 LOT 170
Legal Subdivision	CROSSINGS VLG C #2
Legal Lot Number	170
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	5
Census Block	5001
Census Tract	311602

Owner

Source: St. Charles County records, as of March 16, 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	4 LAWS PASS, O FALLON, MO 63366-4471
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2005 · Amount on Record
Deed Sale	Aug 15, 2005 · Amount on Record
Prior Sale	Feb 8, 2002
Deed Document Number	0004260529
Deed Book / Page	4260 / 529
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 LAWS PASS, O FALLON, MO 63366-4471
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 LAWS PASS, O FALLON, MO 63366-4471

Mortgage

Document Number	2021R029315
Date	Apr 5, 2021
Instrument	2021R-029315

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 2, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 LAWS PASS, O FALLON, MO 63366-4471
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070831314
Date	Jun 4, 2019
Book Page	7083/1314
Instrument	20190604000268140

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	216 Months
Due	Jun 5, 2037

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$5,192.00	$81,015 (+9.99%)	$426,397 (+9.99%) Land $80,000 Building $346,397
2023		$73,655
2022			$387,656 Land $50,000 Building $337,656

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 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

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.

Drinking Water

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

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 19 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
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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