St. Charles County property record for 41 N Kern Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,676 sqft · built 2001 |
| Lot Size | 0.251 acres (10,950 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $231,000 (Jul 2021) |
| Tax Bill | $3,385 (2025) |
| Deeds & Mortgages | Jan 2022 Transfer Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 801960A000 |
| Primary APN | 801960A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,676 sqft Living Area |
| Gross Area | 2,268 sqft |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 546 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 46 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,950 sqft (0.251 acres) |
| Lot Dimensions | 146 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 400 sqft |
| Account Number | 801960A000 |
|---|---|
| Street Address | 41 N KERN DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-3823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | OFALLON HILLS BLK 15 LOT 3 |
| Legal Subdivision | OFALLON HILLS |
| Legal Block | 15 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 311907 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 41 N KERN DR, O FALLON, MO 63366-3823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 13, 2022 | Intrafamily Transfer, Transfer OLD REPUBLIC TITLE |
| Jul 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK |
| Oct 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2021 · Amount on Record |
| Deed Sale | Jul 28, 2021 · Amount on Record |
| Prior Sale | Dec 19, 2001 · Amount on Record |
| Deed Document Number | 202163140 |
| Last Transfer Date | Dec 1, 2021 |
| Transfer Doc | 0000002957 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 13, 2022 |
| Property Address | 41 N KERN DR, O FALLON, MO 63366-3823 |
| Document Number | 0000002957 |
| Map Reference | MB 6 PG 82 |
| Instrument Date | Dec 1, 2021 |
| Instrument | 2022R-002957 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2024 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 41 N KERN DR, O FALLON, MO 63366-3823 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 28, 2021 |
| Property Address | 41 N KERN DR, O FALLON, MO 63366-3823 |
| Document Number | 0000063140 |
| Map Reference | MB 6 PG 82 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 2021R-063140 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2024 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 N KERN DR, O FALLON, MO 63366-3823 |
| Document Number | 0000063141 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 2021R-063141 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 41 N KERN DR, O FALLON, MO 63366-3823 |
| Document Number | 0000001221 |
| Instrument Date | Oct 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 41 N KERN DR O FALLON MO 633663823, O FALLON, MO 63366-3823 |
| Document Number | 0000001221 |
|---|---|
| Date | Jan 6, 2021 |
| Instrument | 1221 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jan 5, 2043 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $52,918 (-) | $278,514 (-) Land $50,000 Building $228,514 | |
| 2025 | $3,385.00 | $52,918 (+14.07%) | $278,514 (+14.07%) Land $50,000 Building $228,514 |
| 2023 | $46,390 | ||
| 2022 | $244,156 Land $40,000 Building $204,156 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1982–1983) |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) 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 440 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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