403 Bridle Path Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 403 Bridle Path Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1976
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,900 (Apr 2007)
Tax Bill	$2,890 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Jul 2021 Second Mortgage
Flood Zone	Zone AE (high risk)
APN	`325330A037`

Property Details

APN / Parcel Number

Primary APN	`325330A037`
Alternative APN	`2-0049-5075-00-0038.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,444 sqft Living Area
Gross Area	3,408 sqft
1st Floor Area	1,444 sqft
Basement Area	1,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asbestos
Lot Area	130,680 sqft
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	325330A037
Street Address	403 BRIDLE PATH LN
City	O FALLON
State	MO
Zip	63366-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	COUNTRY LIFE EST LOT 38
Legal Subdivision	COUNTRY LIFE EST
Legal Lot Number	38
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1018
Census Tract	311801

Owner

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	403 BRIDLE PATH LN, O FALLON, MO 63366-1312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jul 27, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2007 · Amount on Record
Deed Sale	Apr 4, 2007 · Amount on Record
Prior Sale	Feb 14, 2001 · Amount on Record
Deed Document Number	2007279700
Deed Book / Page	4724 / 498
Prior Transfer Date	Jun 25, 2002
Prior Transfer Doc	0000060443
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	403 BRIDLE PATH LN, O FALLON, MO 63366-1312
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 BRIDLE PATH LN, O FALLON, MO 63366-1312

Mortgage

Document Number	2021R065735
Date	Aug 5, 2021
Instrument	2021R-065735

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 16, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	403 BRIDLE PATH LN, O FALLON, MO 63366-1312
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 BRIDLE PATH LN, O FALLON, MO 63366-1312

Mortgage

Document Number	2021R062683
Date	Jul 27, 2021
Instrument	2021R-062683

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jul 16, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,703 (-)	$256,329 (-) Land $45,000 Building $211,329
2025	$2,890.00	$48,703 (+10.08%)	$256,329 (+10.07%) Land $45,000 Building $211,329
2023		$44,244
2022			$232,868 Land $45,000 Building $187,868

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	42 (1979–2022)
Claims Outside the SFHA	6 of 42
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Jul 1993 · 8 claims

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	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.06% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Gateway Fiber, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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