St. Charles County property record for 406 Saint Gemma Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,297 sqft · built 2004 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $510,000 (Oct 2022) |
| Tax Bill | $5,309 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T020300668 |
| Primary APN | T020300668 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,297 sqft Living Area |
| Gross Area | 5,067 sqft |
| 1st Floor Area | 2,259 sqft |
| Basement Area | 2,198 sqft |
| Finished Basement | 1,038 sqft |
| Unfinished Basement | 1,160 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 610 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 104 sqft |
| Patio Area | 762 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T020300668 |
|---|---|
| Street Address | 406 SAINT GEMMA DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-7427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS AT WALDEN POND #5 LOT 123 |
| Legal Subdivision | VLGS AT WALDON POND #5 |
| Legal Lot Number | 123 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 311802 |
Source: St. Charles County records, as of September 10, 2026
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 | 406 SAINT GEMMA DR, O FALLON, MO 63366-7427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2022 · Amount on Record |
| Deed Sale | Oct 25, 2022 · Amount on Record |
| Prior Sale | Jul 2, 2008 · Amount on Record |
| Deed Document Number | 202258283 |
| Prior Transfer Date | Apr 12, 2013 |
| Prior Transfer Doc | 0000309550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 25, 2022 |
| Property Address | 406 SAINT GEMMA DR, O FALLON, MO 63366-7427 |
| Document Number | 0000058283 |
| Map Reference | MB 39 PG 4 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 2022R-058283 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1812 HYLAND GREEN DR, O FALLON, MO 63366-1582 |
| Name | Verified Name |
|---|---|
| Address | 406 SAINT GEMMA DR, O FALLON, MO 63366-7427 |
| Document Number | 0000058284 |
|---|---|
| Date | Oct 25, 2022 |
| Instrument | 2022R-058284 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
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 | $82,863 (-) | $436,121 (-) Land $80,000 Building $356,121 | |
| 2025 | $5,309.00 | $82,863 (+8.17%) | $436,121 (+8.17%) Land $80,000 Building $356,121 |
| 2023 | $76,604 | ||
| 2022 | $403,181 Land $55,000 Building $348,181 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 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.
5G (outdoors only) and 4G LTE
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