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

St. Charles County property record for 418 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,112 sqft · built 2004
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Jun 2019)
Tax Bill	$5,082 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T020300662`

Property Details

APN / Parcel Number

Primary APN	`T020300662`
Alternative APN	`2-0050-8879-00-0117.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	2,112 sqft
Basement Area	2,112 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	66 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T020300662
Old Parcel Number	T020300662
Street Address	418 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 117
Legal Range	03E
Legal Township	47N
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	117
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4014
Census Tract	311802

Owner

418 Saint Gemma Dr is owned and occupied by an individual who bought it in June 2019.

Source: St. Charles County records, as of March 16, 2026

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

Owner of Record	Individual Name on File
Mailing Address	418 SAINT GEMMA DR, O FALLON, MO 63366-7427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage NAVY FCU
Jun 24, 2019	Warranty Deed, Transfer · Conventional Mortgage INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2019 · Amount on File
Deed Sale	Jun 24, 2019 · Amount on File
Prior Sale	Aug 25, 2004 · Amount on File
Deed Document Number	0007094600
Deed Book / Page	7094 / 600
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	418 SAINT GEMMA DR, O FALLON, MO 63366-7427
Document Number	0000001983
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 SAINT GEMMA DR O FALLON MO 633667427, O FALLON, MO 63366-7427

Mortgage

Document Number	0000001983
Date	Jan 7, 2021
Instrument	1983

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 24, 2019
Property Address	418 SAINT GEMMA DR, O FALLON, MO 63366-7427
Document Number	0070940600
Book / Page	7094 / 0600
Map Reference	MB 39 PG 4
Instrument Date	Jun 19, 2019
Instrument	20190624000312330
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 SAINT GEMMA DR, 418, O FALLON, MO 63366-7427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2915 MOSSBERG CT, SAINT CHARLES, MO 63303-1141

Mortgage

Document Number	0000000000
Date	Jun 24, 2019
Instrument	20190624000312340

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 418 Saint Gemma Dr was $5,082.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$5,082.00	$79,291	$417,319 Land $80,000 Building $337,319
2023		$75,777
2022			$398,828 Land $55,000 Building $343,828

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 418 Saint Gemma Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 418 Saint Gemma Dr 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 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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