421 Covered Bridge Ln, O Fallon, MO 63368 Property Records

St. Charles County property record for 421 Covered Bridge Ln, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,476 sqft · built 2003
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jun 2025)
Tax Bill	$3,735 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T031700028`

Property Details

APN / Parcel Number

Primary APN	`T031700028`
Alternative APN	`2-0130-9150-00-0495.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,476 sqft Living Area
Gross Area	2,896 sqft
1st Floor Area	1,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	452 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T031700028
Street Address	421 COVERED BRIDGE LN
City	O FALLON
State	MO
Zip	63368-3992
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLEEPY HOLLOW VLG #2 LOT 495
Legal Subdivision	SLEEPY HOLLOW VLG #2
Legal Lot Number	495
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2021
Census Tract	311153

Owner

421 Covered Bridge Ln is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	421 COVERED BRIDGE LN, O FALLON, MO 63368-3992
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Oct 5, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS LLC
Feb 10, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2025 · Amount on File
Deed Sale	Jun 5, 2025 · Amount on File
Prior Sale	Oct 5, 2023 · Amount on File
Deed Document Number	202523668
Prior Transfer Date	Nov 7, 2005
Prior Transfer Doc	0001109300
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 5, 2023
Property Address	421 COVERED BRIDGE LN, O FALLON, MO 63368-3992
Document Number	0000041122
Map Reference	MB 39 PG 201
Instrument Date	Sep 28, 2023
Instrument	2023R-041122
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 SPENCER TRAIL CT, SAINT PETERS, MO 63376-6021

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	421 COVERED BRIDGE LN, O FALLON, MO 63368-3992

Mortgage

Document Number	0000041123
Date	Oct 5, 2023
Instrument	2023R-041123

Lender

Name	MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2043

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 10, 2021
Property Address	421 COVERED BRIDGE LN, O FALLON, MO 63368-3992
Document Number	0000012469
Map Reference	MB 39 PG 201
Instrument Date	Feb 8, 2021
Instrument	2021R-012469
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	709 ROLLING WIND DR, O FALLON, MO 63368-4093

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 COVERED BRIDGE LN, O FALLON, MO 63368-3992

Mortgage

Document Number	0000012470
Date	Feb 10, 2021
Instrument	2021R-012470

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 421 Covered Bridge Ln was $3,735.

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		$59,781 (-)	$314,636 (-) Land $42,426 Building $272,210
2025	$3,735.00	$59,781	$314,636 Land $42,426 Building $272,210
2023		$56,016
2022			$294,822 Land $27,000 Building $267,822

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 421 Covered Bridge Ln 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 421 Covered Bridge Ln 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 80% of the US · lower than 84% 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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