405 Saint Gemma Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 405 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,632 sqft · built 2005
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Apr 2007)
Tax Bill	$6,458 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T020300602`

Property Details

APN / Parcel Number

Primary APN	`T020300602`
Alternative APN	`2-0050-8879-00-0057.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,632 sqft Living Area
Gross Area	5,832 sqft
1st Floor Area	2,186 sqft
Basement Area	1,590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300602
Street Address	405 SAINT GEMMA DR
City	O FALLON
State	MO
Zip	63366-7428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT WALDEN POND #5 LOT 57
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	57
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3006
Census Tract	311802

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	405 SAINT GEMMA DR, O FALLON, MO 63366-7428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage COMMERCE BANK
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 14, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2007 · Amount on Record
Deed Sale	Apr 6, 2007 · Amount on Record
Deed Document Number	2007287610
Deed Book / Page	4726 / 1275
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	405 SAINT GEMMA DR, O FALLON, MO 63366-7428
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SAINT GEMMA DR, O FALLON, MO 63366-7428

Mortgage

Document Number	0000031913
Date	Jun 7, 2022
Instrument	2022R-031913

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jun 1, 2034

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	405 SAINT GEMMA DR, O FALLON, MO 63366-7428
Transaction Type	Mortgage
Record Updated	Mar 8, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SAINT GEMMA DR, O FALLON, MO 63366-7428

Mortgage

Document Number	0000010592
Date	Feb 23, 2022
Instrument	2022R-010592

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	175 Months
Due	Sep 1, 2036

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	405 SAINT GEMMA DR, O FALLON, MO 63366-7428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066842363
Date	Jan 12, 2017
Book Page	6684/2363
Instrument	20170112000025850

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	405 SAINT GEMMA DR, O FALLON, MO 63366-7428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070732453
Date	May 14, 2019
Book Page	7073/2453
Instrument	20190514000229320

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 8, 2029

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		$100,932 (-)	$531,223 (-) Land $72,000 Building $459,223
2025	$6,458.00	$100,932 (+8.14%)	$531,223 (+8.14%) Land $72,000 Building $459,223
2023		$93,336
2022			$491,240 Land $49,500 Building $441,740

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	Under 0.01% 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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