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

St. Charles County property record for 411 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,455 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Dec 2023)
Tax Bill	$4,703 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`T020300605`

Property Details

APN / Parcel Number

Primary APN	`T020300605`
Alternative APN	`2-0050-8879-00-0060.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,455 sqft Living Area
Gross Area	3,920 sqft
1st Floor Area	1,655 sqft
Basement Area	1,635 sqft
Finished Basement	800 sqft
Unfinished Basement	835 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300605
Street Address	411 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 60
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	60
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 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	411 SAINT GEMMA DR, O FALLON, MO 63366-7428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST INTEGRITY FINANCIAL SERVICES
Dec 11, 2019	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Dec 29, 2016 · Amount on Record
Deed Document Number	202348909
Prior Transfer Date	Dec 16, 2016
Prior Transfer Doc	0066770009
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 1, 2023
Property Address	411 SAINT GEMMA DR, O FALLON, MO 63366-7428
Document Number	0000048909
Map Reference	MB 39 PG 4
Instrument Date	Nov 27, 2023
Instrument	2023R-048909
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 SAINT GEMMA DR, O FALLON, MO 63366-7428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 SAINT GEMMA DR, O FALLON, MO 63366-7428
Investor	Possibly a Property Investor

Mortgage

Document Number	0000048910
Date	Dec 1, 2023
Instrument	2023R-048910

Lender

Name	FIRST INTEGRITY FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	411 SAINT GEMMA DR, O FALLON, MO 63366-7428
Document Number	0072172040
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	411 SAINT GEMMA DR O FALLON MO 633667428, O FALLON, MO 63366-7428

Mortgage

Document Number	0072172040
Date	Jan 21, 2020
Book Page	007217/002040
Instrument	35760

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

Interest

Rate Type	Fixed Rate

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		$73,329 (-)	$385,940 (-) Land $80,000 Building $305,940
2025	$4,703.00 (+3.59%)	$73,329 (+6.69%)	$385,940 (+6.69%) Land $80,000 Building $305,940
2024	$4,540.00
2023		$68,730
2022			$361,736 Land $55,000 Building $306,736

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

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