412 Orf Ave, O Fallon, MO 63366 Property Records

St. Charles County property record for 412 Orf Ave, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,014 sqft · built 1965
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Jun 2017)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`233910A000`

Property Details

APN / Parcel Number

Primary APN	`233910A000`
Alternative APN	`2-056B-4050-00-0025.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,014 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	1,014 sqft
Basement Area	1,014 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,200 sqft (0.234 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	233910A000
Street Address	412 ORF AVE
City	O FALLON
State	MO
Zip	63366-2736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	HILLTOP MANOR #2 PT LOTS 24 & 25
Legal Subdivision	HILLTOP MANOR #2
Legal Lot Number	25
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1008
Census Tract	311602

Owner

412 Orf Ave is owned and occupied by two individuals who bought it in June 2017.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	412 ORF AVE, O FALLON, MO 63366-2736
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Jun 16, 2017	Warranty Deed, Transfer CEDAR OAK PROPERTIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2017 · Amount on File
Deed Sale	Jun 16, 2017 · Amount on File
Prior Sale	Nov 2, 2016
Deed Document Number	2017367230
Deed Book / Page	6760 / 206
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	412 ORF AVE, O FALLON, MO 63366-2736
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 ORF AVE, O FALLON, MO 63366-2736

Mortgage

Document Number	0000045739
Date	Aug 18, 2022
Instrument	2022R-045739

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 16, 2017
Property Address	412 ORF AVE, O FALLON, MO 63366-2736
Document Number	0067600206
Book / Page	006760 / 000206
Instrument Date	Jun 15, 2017
Instrument	367230
Transaction Type	Transfer
Record Updated	Jun 30, 2017
Title Company	SECURITY TITLE COMPANY, SECURE TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	412 ORF AVE O FALLON MO 633662736, O FALLON, MO 63366-2736

Mortgage

Document Number	67600209
Date	Jun 16, 2017
Book Page	006760/000209
Instrument	367240

Lender

Name	CEDAR OAK PROPERTIES LLC
Address	4 MATTERHORN CT, O FALLON, MO 63366-4804

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jun 15, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 412 Orf Ave was $2,609.

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		$40,393 (-)	$212,596 (-) Building $212,596
2025	$2,609.00	$40,393	$212,596
2023		$37,338
2022			$196,514 Building $196,514

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 412 Orf Ave in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1981.

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	3 in force
Nearby Flood Claims	23 (1981–2022)
Claims Outside the SFHA	2 of 23
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 3 claims Severe Storms & Flooding, Aug 1993 · 8 claims

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

Wildfire risk around 412 Orf Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, i3 Broadband, Verizon, Wisper ISP.

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