St. Charles County property record for 404 E Elm St, O Fallon, MO 63366
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 1 ba · 2,100 sqft · built 1954 |
| Lot Size | 0.204 acres (8,874 sqft) |
| Owner | Company Name on Record |
| Last Sale | $160,000 (Mar 2021) |
| Tax Bill | $2,164 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 198810A000 |
| Primary APN | 198810A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,100 sqft Living Area |
| 1st Floor Area | 1,050 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,874 sqft (0.204 acres) |
| Lot Dimensions | 87 ft deep x 102 ft wide |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 276 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 198810A000 |
|---|---|
| Street Address | 404 E ELM ST |
| City | O FALLON |
| State | MO |
| Zip | 63366-2608 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AC6 |
| Legal Description | PT NE NW 1/4 PT LOT 6 |
| Legal Range | 3 |
| Legal Township | 47 |
| Legal Section | 02 |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 311602 |
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 102, HAZELWOOD, MO 63042-0102 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 29, 2021 · Amount on Record |
| Deed Sale | Mar 29, 2021 · Amount on Record |
| Prior Sale | Nov 1, 2010 · Amount on Record |
| Deed Document Number | 202127067 |
| Prior Transfer Date | Mar 19, 2007 |
| Prior Transfer Doc | 0047110332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 29, 2021 |
| Property Address | 404 E ELM ST, O FALLON, MO 63366-2608 |
| Document Number | 2021R027067 |
| Instrument Date | Mar 19, 2021 |
| Instrument | 2021R-027067 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 BRIDLEWOOD DR, LAKE ST LOUIS, MO 63367-2224 |
| Document Number | 2021R027068 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021R-027068 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $33,385 (-) | $175,712 (-) Land $50,000 Building $125,712 | |
| 2025 | $2,164.00 (+7.45%) | $33,385 (+10.79%) | $175,712 (+10.79%) Land $50,000 Building $125,712 |
| 2024 | $2,014.00 | ||
| 2023 | $30,133 | ||
| 2022 | $158,599 Land $35,000 Building $123,599 |
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.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 23 (1981–2022) |
| Claims Outside the SFHA | 2 of 23 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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.
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 191 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 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Brightspeed, Wisper ISP.
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