409 Saint Joseph Ave, O Fallon, MO 63366 Property Records

St. Charles County property record for 409 Saint Joseph Ave, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 900 sqft · built 1960
Lot Size	0.21 acres (9,144 sqft)
Owner	2 Company Names on File
Last Sale	$255,000 (Apr 2026)
Tax Bill	$2,356 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`216870A000`

Property Details

APN / Parcel Number

Primary APN	`216870A000`
Alternative APN	`2-051C-4271-00-0149.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
Gross Area	1,636 sqft
1st Floor Area	900 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Metal
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,144 sqft (0.21 acres)
Lot Dimensions	127 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	399 sqft
Patio Area	142 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	216870A000
Street Address	409 SAINT JOSEPH AVE
City	O FALLON
State	MO
Zip	63366-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FOREST PK OF OFALLON LOT 149
Legal Subdivision	FOREST PK OF OFALLON
Legal Lot Number	149
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3014
Census Tract	311602

Owner

409 Saint Joseph Ave is owned by a company that bought it in April 2026.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	2 Company Names on File
Mailing Address	46 WEATHERBY DR, SAINT PETERS, MO 63376-3241
Owner Type	Company
Vesting	Married Couple

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

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer · FHA Mortgage FINANCIAL CORPORATION
Apr 17, 2024	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Dec 30, 2019	Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on File
Deed Sale	Apr 17, 2026 · Amount on File
Prior Sale	Apr 17, 2024 · Amount on File
Deed Document Number	202617773
Prior Transfer Date	Dec 27, 2019
Prior Transfer Doc	0072071028
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 17, 2026
Property Address	409 SAINT JOSEPH AVE, O FALLON, MO 63366-1715
Document Number	0000017773
Instrument Date	Apr 15, 2026
Instrument	202617773
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	FREEDOM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 WEATHERBY DR, SAINT PETERS, MO 63376-3241

Mortgage

Document Number	0000017774,
Date	Apr 17, 2026
Instrument	202617774

Lender

Name	FINANCIAL CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 17, 2024
Property Address	409 SAINT JOSEPH AVE, O FALLON, MO 63366-1715
Document Number	0000014484
Map Reference	MB 6 PG 70-75
Instrument Date	Apr 12, 2024
Instrument	2024R-014484
Transaction Type	Transfer
Record Updated	May 2, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1263 GROEBLINGHOFF LN, O FALLON, MO 63366-1021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SAINT JOSEPH AVE, O FALLON, MO 63366-1715

Mortgage

Document Number	0000014485
Date	Apr 17, 2024
Instrument	2024R-014485

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0000014486
Date	Apr 17, 2024
Instrument	2024R-014486

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 30, 2019
Property Address	409 SAINT JOSEPH AVE, O FALLON, MO 63366-1715
Document Number	0072071030
Book / Page	007207 / 001030
Instrument Date	Dec 27, 2019
Instrument	750210
Transaction Type	Transfer
Record Updated	Feb 19, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1263 GROEBLINGHOFF LN O FALLON MO 633661021, O FALLON, MO 63366-1021

Tax Assessment & Valuation

The 2025 property tax bill for 409 Saint Joseph Ave was $2,356, up 9.2% from the year before.

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		$36,411 (-)	$191,637 (-) Land $40,000 Building $151,637
2025	$2,356.00 (+9.23%)	$36,411	$191,637 Land $40,000 Building $151,637
2024	$2,157.00
2023		$32,321 (+14.47%)
2022	$2,027.00	$28,235	$170,108 (+14.47%) Land $40,000 Building $130,108
2021			$148,603 Land $40,000 Building $108,603

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

FEMA maps place 409 Saint Joseph Ave in Zone X, an area of minimal flood risk.

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

The area around 409 Saint Joseph Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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