403 White Chapel Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 403 White Chapel Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,524 sqft · built 1993
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Oct 2020)
Tax Bill	$3,706 (2025)
Deeds & Mortgages	Oct 2020 Sale Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A923000189`

Property Details

APN / Parcel Number

Primary APN	`A923000189`
Alternative APN	`3-157D-6757-00-0197.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
Gross Area	3,469 sqft
1st Floor Area	1,524 sqft
Basement Area	1,432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	513 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	319 sqft
Deck Area	Deck Area
Patio Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A923000189
Street Address	403 WHITE CHAPEL DR
City	O FALLON
State	MO
Zip	63368-8023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARRIAGE HILLS #3 LOT 197
Legal Subdivision	CARRIAGE HILLS #3
Legal Lot Number	197
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1011
Census Tract	311151

Owner

Source: St. Charles County records, as of October 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 WHITE CHAPEL DR, O FALLON, MO 63368-8023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Aug 28, 2020	Deed of Trust, Mortgage FRONTIER MTG
Oct 18, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Prior Sale	Oct 29, 2020 · Amount on Record
Deed Document Number	202082859
Last Transfer Date	Nov 24, 2020
Transfer Doc	2020R092792
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 29, 2020
Property Address	403 WHITE CHAPEL DR, O FALLON, MO 63368-8023
Document Number	0000082859
Instrument Date	Aug 28, 2020
Instrument	82859
Transaction Type	Transfer
Record Updated	Feb 23, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 WHITE CHAPEL DR O FALLON MO 633688023, O FALLON, MO 63368-8023

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	403 WHITE CHAPEL DR, O FALLON, MO 63368-8023
Document Number	0000082860
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 WHITE CHAPEL DR O FALLON MO 633688023, O FALLON, MO 63368-8023

Mortgage

Document Number	0000082860
Date	Oct 29, 2020
Instrument	82860

Lender

Name	FRONTIER MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 28, 2035

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 18, 2018
Property Address	403 WHITE CHAPEL DR, O FALLON, MO 63368-8023
Document Number	0069920499
Book / Page	006992 / 000499
Instrument Date	Oct 17, 2018
Instrument	596660
Transaction Type	Transfer
Record Updated	Nov 5, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 WHITE CHAPEL DR O FALLON MO 633688023, O FALLON, MO 63368-8023

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,706.00 (+14.81%)	$60,789 (+18.61%)	$319,943 (+18.62%) Land $65,000 Building $254,943
2024	$3,228.00
2023		$51,249
2022			$269,731 Land $65,000 Building $204,731

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
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.

Wildfire

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.

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 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

403 White Chapel Dr, O Fallon, MO 63368 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on White Chapel Dr

Nearby Streets

Search Property Records by Address or Parcel Number