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

St. Charles County property record for 412 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,030 sqft · built 2002
Lot Size	0.27 acres (11,761 sqft)
Owner	Company Name on Record
Last Sale	$232,184 (Mar 2003)
Tax Bill	$5,266 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T020300665`

Property Details

APN / Parcel Number

Primary APN	`T020300665`
Alternative APN	`2-0050-8879-00-0120.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,030 sqft Living Area
Gross Area	4,670 sqft
1st Floor Area	2,020 sqft
Basement Area	2,020 sqft
Finished Basement	1,010 sqft
Unfinished Basement	1,010 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300665
Street Address	412 SAINT GEMMA DR
City	O FALLON
State	MO
Zip	63366-7427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT WALDEN POND #5 LOT 120
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	120
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4014
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	Company Name on Record
Mailing Address	412 SAINT GEMMA DR, O FALLON, MO 63366-7427
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Apr 4, 2019	Deed of Trust, Mortgage · Line of Credit MISSOURI VALLEY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2003 · Amount on Record
Deed Sale	Mar 6, 2003 · Amount on Record
Deed Document Number	200332499
Deed Book / Page	3286 / 786
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	412 SAINT GEMMA DR, O FALLON, MO 63366-7427
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 ST GEMMA DR, O FALLON, MO 63366-7427

Mortgage

Document Number	0000011009
Date	Mar 10, 2026
Instrument	2026R-011009

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	412 SAINT GEMMA DR, O FALLON, MO 63366-7427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070550835
Date	Apr 4, 2019
Book Page	7055/0835
Instrument	20190404000150920

Lender

Name	MISSOURI VALLEY FCU
Type	Credit Union
Address	SAINT PETERS, MO 63376

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$82,187 (-)	$432,562 (-) Land $80,000 Building $352,562
2025	$5,266.00	$82,187 (+9.09%)	$432,562 (+9.09%) Land $80,000 Building $352,562
2023		$75,336
2022			$396,505 Land $55,000 Building $341,505

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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