406 Robert Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 406 Robert Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,344 sqft · built 1960
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,874 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`319320A000`

Property Details

APN / Parcel Number

Primary APN	`319320A000`
Alternative APN	`2-0043-4329-00-0058.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Shingle
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	319320A000
Street Address	406 ROBERT DR
City	O FALLON
State	MO
Zip	63366-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKE CHAS HILLS LOT 58
Legal Subdivision	LAKE CHAS HILLS
Legal Lot Number	58
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1012
Census Tract	311801

Owner

406 Robert Dr is owned and occupied by two individuals.

Source: St. Charles County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	406 ROBERT DR, O FALLON, MO 63366-1419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 1, 2019	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK
Feb 5, 2019	Deed of Trust, Mortgage · FHA Mortgage SECRETARY/THE US DEPT/HSNG & U

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	406 ROBERT DR, O FALLON, MO 63366-1419
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 ROBERT DR, O FALLON, MO 63366-1419

Mortgage

Document Number	0000056696
Date	Oct 17, 2022
Instrument	2022R-056696

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Feb 1, 2049

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	406 ROBERT DR, O FALLON, MO 63366-1419
Document Number	0070441761
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 ROBERT DR O FALLON MO 633661419, O FALLON, MO 63366-1419

Mortgage

Document Number	0070441761
Date	Mar 11, 2019
Book Page	007044/001761
Instrument	105490

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2049

Interest

Rate	4%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	406 ROBERT DR, O FALLON, MO 63366-1419
Document Number	0070441771
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 ROBERT DR O FALLON MO 633661419, O FALLON, MO 63366-1419

Mortgage

Document Number	0070441771
Date	Mar 11, 2019
Book Page	007044/001771
Instrument	105500

Lender

Name	SECRETARY/THE US DEPT/HSNG & U
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 406 Robert Dr was $3,874.

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		$41,895 (-)	$220,501 (-) Land $50,000 Building $170,501
2025	$3,874.00	$41,895	$220,501 Land $50,000 Building $170,501
2023		$39,891
2022			$209,955 Land $50,000 Building $159,955

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 406 Robert Dr in Zone X, an area of minimal flood risk, though there have been 42 flood claims nearby since 1979.

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 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

Wildfire risk around 406 Robert Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% 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 134 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.

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