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

St. Charles County property record for 409 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,571 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$378,000 (Apr 2019)
Tax Bill	$6,394 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T020300604`

Property Details

APN / Parcel Number

Primary APN	`T020300604`
Alternative APN	`2-0050-8879-00-0059.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,571 sqft Living Area
Gross Area	5,722 sqft
1st Floor Area	2,141 sqft
Basement Area	1,562 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	589 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	T020300604
Street Address	409 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 59
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	59
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	409 SAINT GEMMA DR, O FALLON, MO 63366-7428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Apr 9, 2019	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Sep 18, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2019 · Amount on Record
Deed Sale	Apr 9, 2019 · Amount on Record
Prior Sale	Apr 6, 2004 · Amount on Record
Deed Document Number	2019158780
Deed Book / Page	7056 / 2376
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	409 SAINT GEMMA DR, O FALLON, MO 63366-7428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071640380
Date	Oct 17, 2019
Book Page	7164/0380
Instrument	20191017000584060

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 9, 2019
Property Address	409 SAINT GEMMA DR, O FALLON, MO 63366-7428
Document Number	0070562376
Book / Page	7056 / 2376
Map Reference	MB 39 PG 4-6
Instrument Date	Apr 4, 2019
Instrument	20190409000158780
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SAINT GEMMA DR, O FALLON, MO 63366-7428
Investor	Possibly a Property Investor

Mortgage

Document Number	20190409000158790
Date	Apr 9, 2019
Instrument	20190409000158790

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	409 SAINT GEMMA DR, O FALLON, MO 63366-7428
Document Number	0068120580
Book / Page	006812 / 000580
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 SAINT GEMMA DR O FALLON MO 633667428, O FALLON, MO 63366-7428

Mortgage

Document Number	0068120580
Date	Sep 25, 2017
Book Page	006812/000580
Instrument	599510

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

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		$99,929 (-)	$525,944 (-) Land $72,000 Building $453,944
2025	$6,394.00	$99,929 (+8.23%)	$525,944 (+8.23%) Land $72,000 Building $453,944
2023		$92,326
2022			$485,928 Land $49,500 Building $436,428

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
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.

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

Nearby Properties on Saint Gemma Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures