407 Saint Christopher Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 407 Saint Christopher Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 950 sqft · built 1960
Lot Size	0.193 acres (8,424 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,096 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`218460A000`

Property Details

APN / Parcel Number

Primary APN	`218460A000`
Alternative APN	`2-051C-4271-00-0202.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	950 sqft Living Area
1st Floor Area	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	8,424 sqft
Lot Dimensions	117 ft deep x 72 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	218460A000
Old Parcel Number	218460A000
Street Address	407 SAINT CHRISTOPHER DR
City	O FALLON
State	MO
Zip	63366-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FOREST PK OF OFALLON LOT 202
Legal Range	03E
Legal Township	47N
Legal Subdivision	FOREST PK OF OFALLON
Legal Lot Number	202
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2007
Census Tract	311602

Owner

Source: St. Charles County records, as of March 16, 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	407 SAINT CHRISTOPHER DR, O FALLON, MO 63366-2219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Oct 11, 2022	Deed of Trust, Mortgage · FHA Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 1999
Deed Sale	Jul 15, 1999
Prior Sale	Oct 29, 1997
Deed Document Number	60209
Deed Book / Page	1993 / 1694
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 24, 2026
Property Address	407 SAINT CHRISTOPHER DR, O FALLON, MO 63366-2219
Document Number	0000034832
Instrument Date	Jul 11, 2026
Instrument	202634832
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SAINT CHRISTOPHER DR, O FALLON, MO 63366-2219

Mortgage

Document Number	0000034832,
Date	Jul 24, 2026
Instrument	202634832

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 31, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	407 SAINT CHRISTOPHER DR, O FALLON, MO 63366-2219
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055559
Date	Oct 11, 2022
Instrument	2022R-055559

Lender

Name	CELEBRITY HOME LOANS LLC
Address	VILLA PARK, IL 60181

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$2,096.00	$32,325 (-0.3%)	$170,133 (-0.3%) Land $40,000 Building $130,133
2023		$32,423
2022			$170,650 Land $40,000 Building $130,650

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond 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	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 555 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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