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

St. Charles County property record for 419 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,791 sqft · built 2003
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Apr 2022)
Tax Bill	$5,489 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T020300618`

Property Details

APN / Parcel Number

Primary APN	`T020300618`
Alternative APN	`2-0050-8879-00-0073.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,791 sqft Living Area
Gross Area	4,840 sqft
1st Floor Area	2,117 sqft
Basement Area	2,093 sqft
Finished Basement	1,674 sqft
Unfinished Basement	419 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	83 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300618
Street Address	419 SAINT GEMMA DR
City	O FALLON
State	MO
Zip	63366-7429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT WALDEN POND #5 LOT 73
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	73
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3001
Census Tract	311802

Owner

419 Saint Gemma Dr is owned and occupied by two individuals who bought it in April 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	419 SAINT GEMMA DR, O FALLON, MO 63366-7429
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
Apr 8, 2022	Special Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jan 18, 2019	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Aug 14, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2022 · Amount on File
Deed Sale	Apr 8, 2022 · Amount on File
Prior Sale	Mar 2, 2009 · Amount on File
Deed Document Number	202220429
Prior Transfer Date	Aug 8, 2018
Prior Transfer Doc	0069621090
Record Updated	Oct 29, 2026

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 8, 2022
Property Address	419 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0000020429
Map Reference	MB 39 PG 4-6
Instrument Date	Apr 6, 2022
Instrument	2022R-020429
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	737 ORIENTAL LILY DR, 737, O FALLON, MO 63366-7695

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 SAINT GEMMA DR, O FALLON, MO 63366-7429

Mortgage

Document Number	0000020430
Date	Apr 8, 2022
Instrument	2022R-020430

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	419 SAINT GEMMA DR, O FALLON, MO 63366-7429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070270849
Date	Jan 18, 2019
Book Page	7027/0849
Instrument	20190118000029820

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 14, 2018
Property Address	419 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0069621090
Book / Page	006962 / 001090
Instrument Date	Aug 8, 2018
Instrument	462620
Transaction Type	Transfer
Record Updated	Aug 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	419 SAINT GEMMA DR O FALLON MO 633667429, O FALLON, MO 63366-7429

Tax Assessment & Valuation

The 2025 property tax bill for 419 Saint Gemma Dr was $5,489, up 5.7% from the year before.

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		$85,690 (-)	$450,998 (-) Land $80,000 Building $370,998
2025	$5,489.00 (+5.74%)	$85,690	$450,998 Land $80,000 Building $370,998
2024	$5,191.00
2023		$78,684
2022			$414,124 Land $55,000 Building $359,124

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 419 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 419 Saint Gemma Dr is low, with 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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	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 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.

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