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

St. Charles County property record for 421 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,483 sqft · built 2005
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2017)
Tax Bill	$6,254 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jul 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T020300619`

Property Details

APN / Parcel Number

Primary APN	`T020300619`
Alternative APN	`2-0050-8879-00-0074.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,483 sqft Living Area
1st Floor Area	2,117 sqft
Basement Area	1,510 sqft
Finished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	68 sqft
Patio Area	318 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T020300619
Old Parcel Number	T020300619
Street Address	421 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 74
Legal Range	03E
Legal Township	47N
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	74
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3001
Census Tract	311802

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	421 SAINT GEMMA DR, O FALLON, MO 63366-7429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Jul 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Nov 5, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Mar 4, 2020	Deed of Trust, Mortgage DAS ACQUISITION
May 23, 2019	Deed of Trust, Mortgage DAS ACQUISITION
Apr 28, 2017	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2017 · Amount on Record
Deed Sale	Apr 28, 2017 · Amount on Record
Prior Sale	May 10, 2006 · Amount on Record
Deed Document Number	0067342204
Deed Book / Page	6734 / 2204
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	421 SAINT GEMMA DR, O FALLON, MO 63366-7429
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SAINT GEMMA DR, O FALLON, MO 63366-7429

Mortgage

Document Number	0000064946
Date	Dec 9, 2022
Instrument	2022R-064946

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Nov 1, 2037

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	421 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	0069522194
Date	Jul 25, 2018
Book Page	6952/2194
Instrument	20180725000418720

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2028

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	421 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0000087001
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 SAINT GEMMA DR O FALLON MO 633667429, O FALLON, MO 63366-7429

Mortgage

Document Number	0000087001
Date	Nov 10, 2020
Instrument	87001

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 9, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	421 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0072461377
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 SAINT GEMMA DR O FALLON MO 633667429, O FALLON, MO 63366-7429

Mortgage

Document Number	0072461377
Date	Mar 11, 2020
Book Page	007246/001377
Instrument	150100

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Mar 10, 2045

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	421 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0070811436
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 SAINT GEMMA DR O FALLON MO 633667429, O FALLON, MO 63366-7429

Mortgage

Document Number	0070811436
Date	May 30, 2019
Book Page	007081/001436
Instrument	260500

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 29, 2049

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 28, 2017
Property Address	421 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0067342204
Book / Page	006734 / 002204
Instrument Date	Apr 27, 2017
Instrument	256030
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 SAINT GEMMA DR O FALLON MO 633667429, O FALLON, MO 63366-7429

Mortgage

Document Number	67342206
Date	Apr 28, 2017
Book Page	006734/002206
Instrument	256040

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2047

Tax Assessment & Valuation

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	$6,254.00	$97,718 (+8.35%)	$514,305 (+8.35%) Land $72,000 Building $442,305
2023		$90,188
2022			$474,672 Land $49,500 Building $425,172

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 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.

Nearby Properties on Saint Gemma Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures